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Response to ccj's are they written off after six years?

from Chris X (chrsh@hotmail.com)
Sorry to disagree with the above answer but:

A CCJ stays on your file for 6 years and then "drops off" regardless of whether it has been paid (satisfied) or not. Even if you are mid- way through making payments to satisfy the debt the CCJ will be removed from your file. It is worth checking your credit files with both Equifax and Experian as they both have a habit of "forgetting" to remove the information after the 6 years is up.

A warrant of execution does, indeed, allow bailiffs to attend your property. However, they have NO RIGHT OF ENTRY. If you do not let them in, or you are out when they call, there is nothing they can do. If you do let them in, they are allowed to force entry on subsequent visits. Note that bailiffs will force entry for house repossessions regardless of you being there or not.

If you refuse to pay at this stage the options left to the lender are to have a charge put over your property - this means that when you sell your property they get paid from any proceeds from the sale. As an alternative they can ask to an Attachment of Earnings order, which means your employer is forced to make monthly payments from your salary direct.

Your best advice is to contact the lender or bailiffs and try to come to some arrangement - the Citizens Advice Bureau is the best place to help you do this (look in your phone book or ask at the library).

(posted 8353 days ago)

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