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#Post#: 95295--------------------------------------------------
Re: No reply from NCP and now getting solicitor letters
DIR By: b789
Date: October 23, 2025, 9:52 am
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Unless the CCJ is paid in full within 30 days, it will be
registered as "satisfied" but will remain on your credit file
for 6 years. If you want a clear credit record, it has to be
paid in full, in which case there is nothing on your credit
record. It is completely expunged from the record.
Whilst a "satisfied" CCJ is much better than one that reminds
unpaid, it is still likely to cause you issue for the next 6
years with some firms treating it almost the same as having an
unsatisfied one. It can also lead to higher credit fees and
insurance premiums etc.
If you can manage to pay the whole CCJ, it is going to be much
better for you in the long run. It would be much better in the
long run if you can arrange to borrow the full amount and pay
that off in instalments rather than paying the CCJ itself in
instalments.
The only thing I'll give that shitty judge credit for, is that
she didn't allow the fake £60-£70 debt recovery fee that was
also claimed.
As I said, I have a family member who is a long serving district
judge and I showed him this case and the decision reached. He
agreed that the decision is not one he would have reached and
was surprised at some of the reasoning given, based on your
report of what happened.
You make the payment through Moorside Legal as they are the
claimants legal representative.
#Post#: 95301--------------------------------------------------
Re: No reply from NCP and now getting solicitor letters
DIR By: DWMB2
Date: October 23, 2025, 10:14 am
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--- Quote from: b789 link ---
>
> It would be much better in the long run if you can arrange to
borrow the full amount and pay that off in instalments rather
than paying the CCJ itself in instalments.
>
--- End Quote ---
Just a general comment for NBSCMN's benefit - we are not a
financial advice website and if you are considering borrowing
money or seeking other such debt advice you may wish to consult
a suitable specialist, such as a debt advice charity.
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