Can new CCJ show on credit report if record has fallen off credit report as 6 years after defaults ?

[BobbiB]

Hello,

 

 

I entered a DMP 12 years ago which still has another 8 years to go.

Most of the debts defaulted me over 6 years ago so the records have fallen off my credit reports

although I am still paying them through my DMP.

 

 

The remaining debts I am attempting to get removed.

 

 

Due to family issues money is very tight at the moment and I am starting to begrudge paying my DMP

as I feel that the DCA's have probably had more money off me than they paid for the debt.

 

 

I also regret not going bankrupt or simply not paying as either way I wouldn't have these payments hanging over me now

as the bankruptcy would have ended long ago or the debts become statute barred.

 

 

I wanted to "do the right thing" but now I am wondering what would happen if I simply stopped paying my DMP now

(after I have hopefully got the remaining defaults showing backdated and therefore removed from my record).

 

 

Could the DCA's get a CCJ ?

 

 

If they did would it show on my credit report given that the debts have already fell off ?

[havinastella]

Hi and welcome to CAG.

 

The simple answer is yes they can, and yes, it will show on your report.

 

Is this a fee paying DMP?

[BobbiB]

Thanks for the response. I am with stepchange so don't pay fees. Think I remember them saying I should consider bankruptcy or an IVA and wish I had done that now. Guess I am stuck with these payments now or I risk messing up my credit file again.

[theoldrouge]

Did you ever send CCA requests to your creditors?

 

Stepchange would not use this approach

[havinastella]

Did you ever send CCA requests to your creditors?

 

Stepchange would not use this approach

 

And have you reclaimed ALL PPI and Charges on the accounts?

[BobbiB]

I don't think I paid PPI but I am not sure. I don't have the paperwork anymore.

[theoldrouge]

Send as a first step cca request to each creditor or DCA chasing on behalf of each creditor

 

It would be helpful if you listed each debt and who owns each debt and when that account was opened

[BobbiB]

Thanks so much for your advice.

 

 

I will post debt breakdown as soon as I can get all my paperwork together.

 

 

Planning to send CCA requests as advised.

 

 

Should I just send these to DCA's ?

I think a couple of my debts might still be with the OC.

If the DCA cannot product the credit agreement does this mean they cannot apply for a CCJ ?

 

 

My main priority right now is to improve my credit reference file as I now have a child

and want to be able to apply for a mortgage in a year maybe so to give my child stability.

 

Also, do you think that by me sending a CCA request it could prompt DCA's to apply for a CCJ ?

 

 

As most of my defaults have fell off and I am working on the remaining 2 negative entries on my credit reports I don't want to risk this.

 

 

Thinking maybe I should let sleeping dogs lie and just keep paying my DMP till I have got a mortgage and bought a house.

[dx100uk]

no cca = no CCJ too.

 

 

that debt list needs to show the OC

who you are paying now

opening date

type of credit

 

 

then we can help

[theoldrouge]

no cca = no CCJ too.

 

 

that debt list needs to show the OC

who you are paying now

opening date

type of credit

 

 

then we can help

 

In addition sending a cca request is your statutory right

 

You can consider your position in the light of their replies or lack of them