Found BW CCJ for old cap1 card - - Statue Barred?

[jmurphy1919]

Evening,

 

I recently obtained my credit file from noodle and found A CCJ from 2014 on my account (genuinely don't recall this). Did some digging and it was for a capital one credit card back in 2012.

 

I sent a CCA request to BWLegal who provided me with a copy of the agreement and a statement. Here is the details below;

 

Account Opened - September 2011

Last Payment Made By Me - April 2012

CCJ Registered - August 2014

 

I have had nothing to do with this Credit Card since my last payment to it in 2012. The balance is relatively small. What are my options. Would this not be class as statue barred or does the CCJ cancel that out?

 

Thanks in advance

[dx100uk]

Nope ccj trumps sb as it stops the clock

If they aren't chasing you then keep quiet. Lowell got the CCJ not bw they are sols

 

Moved to legal and retitled for clarity

[jmurphy1919]

well im wanting to tidy up my credit rating and wanting the ccj either settled or removed. the debt is £500.

[Sidewinder]

Sadly the CCJ will remain there until August 2020 whether settled or not and paying it off at this stage will not drastically improve your credit rating, if at all

[jmurphy1919]

if i was to apply for credit. would i have a better chance with a settled ccj rather than unpaid?

[dx100uk]

nope as post 4.