If a default drops off your credit report after 6 years whether it's paid or unpaid, can the DCA apply for a CCJ on the spent debt, therefore starting the 6 year period again ? Thanks for any help
DCAs and Defaults ?
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Re: DCAs and Defaults ?
Yes they can, assuming not statute barred at that point.
A CCJ would not be a new default. It would be a entry in the public record section of your report instead. Although a CCJ that is then paid in full within one calendar month of being granted will not go on your credit files.
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Re: DCAs and Defaults ?
Originally posted by chrisp1968 View PostIf a default drops off your credit report after 6 years whether it's paid or unpaid, can the DCA apply for a CCJ on the spent debt, therefore starting the 6 year period again ? Thanks for any help
SB = 6 clear years no payment or unequivocal written acknowledgment in 6 clear years. Also any Count Court Claim stops the clock on the date of issue.
SB and removal from CRA files have no relation.
nem
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