First time here and hoping you can help.
Around 2003 having been made redundant, I had a debt for an Egg credit card for around £3.5k.
I barely recall the details as it was so long ago
but vaguely remember it being passed to a solicitor as started getting letters from them. I
was not aware of any CCJ being issued at the time but don't use credit since I was made redundant
so if it went on my credit file it must have gone off again.
In 2006 I got a letter from Land Registry stating that a charge had been made on my property for the amount of just over £4k,
the charge was to Egg as far as I can remember, s
o I assume a CCJ must have been obtained to take this action?
I understood that this meant that if I ever sold my house,
I would need to pay this off to Lowells/Cabot as well.
I have a very small mortgage of only £100 per month and manage this,
the Egg debt was entered as a second charge and as I had no income or means of paying it
the Egg debt at the time, I let this charge happen.
I have never sold the house so the charge has just lain dormant for all of that time
and have never heard a single thing from Egg or any debt collection company in all of that time.
Out of the blue,
I have today received a letter from Mortimer Clarke solicitors stating that they are enforcing the CCJ of £4,465
and want payment, no mention of how they are connected to Egg but they quote a CCJ number.
Is my home at risk here?
I'm upset that I have been very careful not to get any debt secured on my home to make sure that it is not at risk as I cannot afford to with having children, yet it now seems that it is at risk or can they not do this?
Your help would be much appreciated.