CCJ and Default Expiry

[Nova23]

Can anyone please tell me if, when a CCJ and/or a default reaches the 6 year mark, does it not only clear your credit record but are you still likely to be approached to repay the amount? I had a CCJ against me when it was issued to a previous address 6 months after I left. I was advised I had no chance of having it removed as the debt was bona fide. In any event I never heard anything else about it but the CCJ is due to expire this August, am I still liable for the debt thereafter? Does the same apply to defaults?

Hope that made sense. Many thanks.

[MIKE770]

yes = BUT they would need a very good excuse to try and enforce after such time. which in some cases they would not get. defaults once off that is it no further records on CRA file.

[MIKE770]

advised not to get set aside>>??? who by what was it all about???

[Nova23]

Thank you.

I honestly don’t remember where I got the information saying it wouldn’t be set aside just because of the wrong address but I’ve suffered it now for almost the 6 years and with the end in sight I just wanted to be sure it would be over.

[MIKE770]

wrong address it would have to of been set aside at your request, and the case started again. a DCA tell you or barrack room lawyer in the street?

[MIKE770]

after 6 years a company would need a very good excuse as to why not actioned within that period. any action would be detrimental to them by a judge

[Nova23]

Thank you