I have recently ran a credit search to have a look at my latest history credit history,
only to come across a county court judgement dated 28/10/2014 for £1410.
When investigating this,
it was for a bank account that defaulted 18/04/2008 for £1227.
I was aware of the debt, as it affected me getting finance for 6 years, but I wasn't aware that the company was still chasing me.
I moved house in January 2014 and haven't received any recent communication from the DCA or the County Court.
I was also under the understanding that the debt would be statutory barred as it was over 6 years old.
I have never communicated to the debt collecting agency or paid anything off the outstanding balance, due to the situation I was in at the time.
I'm afraid that legal proceedings may be getting held against me and I'm not receiving any communication as I'm at a different address.
I've read that I may be entitled to have the debt set aside (I really don't want this affecting my credit for another 6 years),
as I've not received any communication and the debt should be statutory barred.
I've read other posts about completing the n244 form, but it is also really confusing. Is there anything specific I should be putting into questions 3 and 10 on the form?
Do I also need to contact the court to ask them to send me a copy of the CCJ?
As I don't have any details other than what is on the credit search