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Continue CCJ payments after the six years?


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Hi, I got a CCJ 5.5 years ago.  It was for £2000 and I have made £3 repayments every month since. Obviously it won't even be close to being paid off when the 6 years are up.  I read that they can still chase you for the debt after the 6 years and enforce Bailiffs.  Is this true?

 

If so, would this only be the case if I stopped paying the £3...in which case should I still make payments just to keep them off my back?

 

Or, what if I just stopped making payments at the end of the CCJ...what would they likely do?

 

Many thanks

 

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you might find this thread useful to read

 

 

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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same question really...

as you've paid within 6yrs they obv can enforce with bailiffs if they asked the judge and he granted them

its only if you havent paid and they havent enforced within 6yrs whereby they might have serious issues.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OK, thank you...so to clarify, if I keep up the payments after the 6 years then no problem it'll only get thrown back to court if I stop paying?

 

Also if they start to ask for more money (after the 6 years) does that get approved via the court as before or will it just be between me and them?

 

Lastly, if I'm still making payments post ccj, I understand the ccj will be removed but how will the repayments be reflected on my credit report?

 

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1.it might.

 

2.depends if the judge/judgement set or stated the payments or it was just between you and the claimant afterwards.

3. the account should ever be showing, that got removed when the defaulted date reached 6yrs, CCJ entry vanishes at 6yrs too, as that other thread states.

 

it would help if we knew the background of the debt please

who was the original creditor

what type of credit

and who got the CCJ.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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