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About DBY

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  1. Yes, indeed this is the correct action to take - Thanks
  2. I know - for whatever reason this was totally overlooked but my understanding its not too late!
  3. I'm currently divorced but have recently noted from the divorce documentation that a Clean Break Consent Order is needed to ensure my financial future is protected from any claims my ex wife wants to submit. There are many online websites that can help, for a fee, but I want to do this myself if possible - is there any specific forms I need to complete or download since I cannot locate any on the internet. any help appreciated.
  4. Hi all. Under the terms of my contract I can return my vehicle to close after x amount of payments. I've already reached this milestone so wondered what the effects of voluntary terminating my agreement would have on my credit report. See I want to change my vehicle for something much more fuel efficient but part ex amount is ridiculously low the only option I appear to have is to return the vehicle. Any advise appreciated.
  5. Yep. I never thought I'm under any obligation to advise them what I'm doing with my life.
  6. No. I haven't told them. Should I have?
  7. Bit of an update - I was actually in the process of moving house when the letter from Moors#"t was received - obviously I replied with the SB letter but then moved - heard nothing further - presumably I do nothing?
  8. Perhaps - but there are examples right here in CAG!
  9. Hi Brig, No, this is an English CCJ, not Scottish. As far as further action is concerned ive read a few horror stories of ICO's being issued for very old CCJ's (older than 6 years) and a court awarding it since a CCJ is not time barred. I'm not entirely sure what the process is for anyone taking this back to court but am concerned that a small debt can suddenly grow into a huge one (in the example I read!).
  10. Sorry Brig, still not following you here. CCJ issued in 2005, nothing paid, infact never received any paperwork at the time, CCj came off credit file in 2011, never heard anything until now.
  11. Sorry Brig, not sure what you mean?
  12. CCJ came off credit file in 2011.
  13. Is this valid? See sec 24; http://www.legislation.gov.uk/ukpga/1980/58 If a creditor tried to enforce it your defence would be section 24 of the limitations Act 1980.... (1) An action shall not be brought upon any judgment after the expiration of six years from the date on which the judgment became enforceable. (2) No arrears of interest in respect of any judgment debt shall be recovered after the expiration of six years from the date on which the interest became due.
  14. Thanks. How can I find out if this debt is the ccj one or not?
  15. Hi DX. Yes the CCJ disappeared in 2011.
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