Hi

I'm trying to help my partner,

who's been living with me but has ignored debts of approx £10k for a minimum of 6 years

which accumulated before my partner arrived in my life.

My partner with encouragement has tried general counselling but it wasn't long enough time spent to get to the root of the problem.

Is reluctant to seek further help.

With a MH condition I'm wondering if it might be possible though to get MIND to help....

Doesn't want to file for bankrupcy though.

Been out of work, then my carer so can't afford to pay loans back.

Is there a risk at my home of bailiffs?

Are there any other options I can steer my partner towards?

Any ideas are appreciated, thanks.

best policy is check his creditfile

what shows

and why are you worried

are you getting letters?

dx

In order for bailiffs to visit your home the creditor would of been to court and got a CCJ

even if they got a CCJ there is no right of entry no force for a high court enforcement officer to a residential address

You do not need to open door to them

If your partner has gone 6 years with no payment on the accounts they may be statue barred

If there was going to be any court and CCJ I expect they would of done it years ago

Check the credit file noodle is free

Thanks for your replies, I'll check his Noddle credit file. (Having a look at the moment... it wants to identify him by his bank card and wants numbers is this normal?)

No I'm not getting any letters, phew!

I'm so glad to hear there is no right of entry to a residential address. I had contemplated I could get stress at my front door. Big phew!

There has definitely not been any payments made.

This 'statute barred' looks very interesting.

its for verification

Ahh okay thanks. It looks like a clear Noddle report at current address but need to check on a previous address which seems to take a further month to obtain on this account. Then hopefully we will know if there were any court actions.

so all his past addresses are not showing in linked addresses?

dx

Trust online will show up any current CCJs ( there is a charge for this).

No there's no linked addresses, we've had a look through all the different sections. We've had to edit his current profile address on Noddle to an old one where he had the loan so that when it does a monthly update it will show anything outstanding at his previous address.

How much do they charge for checking CCJ's?

How much do they charge for checking CCJ's?

I believe it's around £4.00 per address, But the system is accurate and up to date.

Sounds like my kind of price, I'll head over there and have a peek. Thank you.

I've searched Trust online in the Orders & Judgements section and I'm pleased to find there is nothing registered.

But what if a CCJ was registered prior to these 6 years? I guess I can't check anywhere prior to 6 years can I?

I found this article through Googling 'statute barred'.

http://www.debtwatchdog.com/statute-barred-debt-england-and-wales-Article-215.html

So have I got this right?

If a CCJ has been registered before (but not currently on the list) this means statue barred does't apply, so the loan company could pester him in the future.

But if a CCJ has never been registered before statue barred does apply, the loan company could still pester him in the future but would only be successful if he was to admit he owed them in the first place.

if anyone does not enforce a CCJ in the 'allowed' 6yrs

then it extremely rare for enforcement to be granted outside of 6yrs

I think you are worrying about nothing.

dx

I think you can safely ignore any threat of court action now, there has been plenty of time for any action to be taken.

*Shocked.......* Wow!

I can't understand why they wouldn't have registered a CCJ.

But I guess if my partner didn't respond to any letters and no payments were made

and then my partner moved to a different address they gave up trying to find him.

Wow thanks for helping me put things into perspective. *Relief*

the CCJ will always be registered

however it over 6yrs so drops off CRA file.

dx

I've got the dates muddled up.

It was Sept 2008 my partner was made redundant due to the company closing the branch. This was when my partner was unable to make payments. So if a CCJ was registered it would have been just in the period after redundancy, so it would still show on the list waiting to come off. So then a CCJ might not have been taken out against my partner?

I've got the dates muddled up.

It was Sept 2008 my partner was made redundant due to the company closing the branch. This was when my partner was unable to make payments. So if a CCJ was registered it would have been just in the period after redundancy, so it would still show on the list waiting to come off. So then a CCJ might not have been taken out against my partner?

Possibly yes. Did you check previous addresses (if any)?

Yep I checked his address where he was living at the time and nothing was registered. (It just sounded like too much of a miracle ending, I couldn't believe there would be any law on the side of the people in this day and age.) Thanks so much for putting my nightmare problem into a new perspective. Much, much appreciation.