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Question regarding CCJ active for over 6 years

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  • Question regarding CCJ active for over 6 years

    Hello, I have a question if someone can answer?

    I have a number of CCJ´s where i am paying back £1 a month - most of these are in excess of 6 years old, with only 1 remaining of my credit file.
    What would happen if i stopped paying them? (I pay by standing order)
    I´m just intrigued really as I will never live long enough to pay them off fully.

    Note the reason for so many is i had a bit of a psychiatric issue, where i didn´t know what i was doing, and come the CCJ´s just accepted them.
    Tags: None

  • #2
    IMO you should keep paying the £1 per month
    If you stop paying the creditors can go back to court and the amount you still owe could increase due to legal and court fees

    Comment


    • #3
      If there is a good reason why you can only pay £1 a month i.e. health that isn't going to improve, write to them asking them to write the debt off, you'll need to provide evidence i.e. Doctor's letter etc. Also attach a I & E form, remember there's a Cost of Living Crisis. Make sure you get Proof of Postage.

      https://nedcab.cabmoney.org.uk/

      https://www.citizensadvice.org.uk/de...your%20reasons.

      Comment


      • #4
        Originally posted by echat11 View Post
        If there is a good reason why you can only pay £1 a month i.e. health that isn't going to improve, write to them asking them to write the debt off, you'll need to provide evidence i.e. Doctor's letter etc. Also attach a I & E form, remember there's a Cost of Living Crisis. Make sure you get Proof of Postage.

        https://nedcab.cabmoney.org.uk/

        https://www.citizensadvice.org.uk/de...your%20reasons.
        Thank you, i am on disability and have 9 CCJ´s, 2 active on my credit report.

        Comment

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