I know the CCJ will be removed from credit file in just under 2 years, is the CCJ also going to be statute barred after the 6 years no contact/payment or does a CCJ not become statute barred? And does sending an SAR restart the 6 years going again if so? Thanks

If we send an SAR is this likely to get them to start hounding us to pay as we aren't in a position to do so right now and as it stands we haven't heard anything from them for 3 1/2 yrs, the previous address they were writing to was my parents so i would know if any letters had gone there but I can't see them just not chasing the debt now its a CCJ? If the six years did pass and it hadn't been repaid would they be able to get a marker put back on the credit file? I was thinking it may be better for my husband to just do a debt relief order and get rid of it once and for all but how will that effect his credit file, also does he have to include all debts in that as he has recently started using a new credit card with a small credit limit which we just use for food shopping and pay off to try to rebuild his credit file a bit so would like to keep that one open. Thanks

Hi, Just trying to get some advice on some accounts me and my husband hold. Husband had an account with HSBC. Account is years old, got into financial difficulty some years ago, was on reduced payments for a while but no longer making payments to the account and haven't for some years, not had any correspondence from anyone for at least 3 years but have moved house and not updated address. Account is no longer on credit file but is not statute barred. MKRR have now started writing asking to contact them to arrange repayment. Should we acknowledge, don't have the money to pay at the moment. Can anything be put back on the credit file now?? Thanks

Hi, Was advised to start a thread on this forum regarding a couple of CCJ's from Welcome me and the husband have. Background is - My loan took out in 2005 for I believe either £2000 or £2500. Unsure if it had PPI as I don't have the loan agreement. Got into financial difficulty in 2006 and stopped paying. I Can't remember the last time I made a payment, think I acknowledged the debt in September 2009 as I have a letter from Howard Cohen which seems like a response to a letter I have sent saying they agree to me paying £10pm however I don't recall offering this and have no details of it and I haven't made these payments. Moved house several times now and not informed them. CCJ was registered on my credit file in April 2009, not received any documents or letters regarding this and not heard anything from them since letters from Howard Cohen at end of 2009 (which were sent to my parents address) and a personal loan statements from Welcome in November 2009 saying balance £3870.03 then again in November 2011 saying balance £6148.40!!!(Again all sent to my parents address). Husbands loan - took out in 2006, think was a loan that was topped up, got into difficulty in 2007 and was on reduced payments until early 2008. I have a default notice from 10 June 2008 however the account is not showing as default on credit file, it is still live and showing as late payment every month for years with a balance of £5123. Loan amount was for £2985.40, this includes PPI amount of £985.40. CCJ was issued in February 2009 for £5112 at an address we no longer lived at however we hadn't changed the address. Wrote to them asking for statement etc in September 2009, received letter back with loan agreement and a gross balance calculation (these are from Young & Pearce Solicitors). Moved house again, not heard anything for last few years. Said in my other thread that he had recently received letters from MKRR but actually when I've looked in to it just now, they are regarding a different account. He has received a letter though from a company called Pace Forward trying to see if this is the right address? Can I do anything about the live account that is being recorded as late payment every month as well as the CCJ? As when will that live account drop off if there is no default date or anything registered against it? What should I do about the accounts, we aren't in a position to start repaying debts but am trying to sort out our credit files a bit where possible so should we just wait it out and see if they contact us and what happens to a CCJ after 6 years if not repaid? Thanks for any advice.

Ok, thanks. Think I will ignore it for now then and see what happens next. Both me and my husband have a CCJ from Welcome Finance. (Separate loans) Mine - Took loan out, stopped repaying around 2006/2007 again. Moved house, but didn't inform them. CCJ on credit file registered April 2009, never had any details regarding it or made any payments towards it. Not heard anything since. Husbands - Similar story, was repaying until early 2008 but was on reduced payments then stopped paying when was out of work. Last acknowledged early 2009 when asked for credit agreement and statements, produced a copy of credit agreement but no statements. CCJ issued in Feb 2009. Moved house shortly after and not heard anything since or made any payments. Recently started receiving phone calls/letters from MKRR regarding this account, he hasn't spoken to them yet though. Husbands CCJ is registered and also the same account is still registered live as a late payment for years. Last shows a payment early 2009 which is when we wrote to them although I never remember making any payment to the account. Then registered as 6 on credit file since May 2009 with a different balance to CCJ?

Thanks, I can't scan the letter but I've typed it up...... Dear Madam, Re - Arrow Global Guernsey Ltd v Yourself We are instructed by Arrow Global Guernsey Ltd to claim immediate payment from you of the outstanding balance on your above account, being £1951.50 plus interest as appropriate. We must ask you to pay the sum of £1951.50 direct to this office by Tuesday 18 June 2013, failing which we have strict instructions to issue a county court summons for the full balance due plus fees and costs. We are instructed to seek a judgement against you which will be registered by the court, if obtained. This is likely to adversely affect your credit record making it difficult for you to obtain credit in the future. Our client may be prepared to accept payment by instalments. If you wish to consider this option please complete enclosed questionnaire and return to this office by Tuesday 18 June or contact us etc. etc. I'd rather do nothing than risk acknowledging the debt and starting up the 6 years again however I am a little concerned about the CCJ, will there have to be another letter sent before they go to court or if I ignore this are they likely to just go to court. Thanks

Hi, Thank you for replying. The account was opened in September 2003. Default date is 27/03/2008 and owner is shown as Arrow global. Its only the noddle report and for some reason its only showing me the payment history as far back as 2011? Should I get the experian report and check that? What should I do now then? Write to them asking for charges and ppi back, and who do I write to, Restons or Littlewoods? Thanks again

Hi, Just looking for some advice regarding an old account. I had a littlewoods catalogue a long time ago, got into financial difficulties in 2006/2007 and stopped paying a lot of debts or went on reduced payments. I am not 100% sure on dates but I believe I last acknowledged the debt in late 2007/early 2008 as I was trying to get on top of my debts, I wrote to the company asking for information of the account, balance etc. but don't believe it was one that I actually started paying. In March 2008 the account was registered on my credit file as a default. I do not remember the last time I made a payment to them but I believe it was long before this and I can't find any payments to them on my bank account going back as far as 2006. I have moved several times and not heard anything from them for years then earlier this year a company called arrow global started writing to me, and now a company called restons have written to me and telephoned. I refused to discuss on the phone with them as I didn't want to confirm my details etc without knowing what I was acknowledging. I know from the details on the letter that it is this account, they have now written threatening court action and going for a ccj later this month if i don't contact them to pay. I have no income, I am a stay at home mum. My husband works but we are not in a position to start repaying my debt as we just don't have the spare money right now and I don't get any jobseekers or anything like that but I really don't want another CCJ on my credit file as it is just starting to get repaired. The default amount was £980 but the debt amount now is £1951. Should I just offer a repayment amount of £1 a month, will they accept it or still go for CCJ and how will this effect my credit file as I was expecting the default to drop off in March next year? Grateful for any advice. Thanks