Thanks.

What about following it through after sending the SAR?

I could save a tenner if we know not to go further with it?

send them an sar get all the details you can first

then follow our PPI guide

Cheers, no way of awakening the debt? I've not heard off them in many years, probably the 6 or so since it has been 'settled'.

Thanks for the reply.

I started the mortgage in 2001 when I purchased my first flat. I was told at the time I needed to take out the PPI as I had not long finished Uni and only had 18 months of full time work.

I lost the property as I had to give up my business to take care of my Mum who had Dementia. This was in 2008 but by the time it was repossessed it was 2009.

The property would have been worth around the same value as the mortgage but I'd have also expected them to add their costs when it was repossessed.

As the situation with my Mum was difficult, plus also being scared of what was happening, I put my head in the sand with it all.

Only in 2016 did I start to look into it all and found that there were marks for the mortgage.

In 2009 they had default marks and by 2010 it was marked as settled.

When it reached the 6 year anniversary it dropped off completely without me asking them to do it.

I had my home repossessed in 2009 due to a change in circumstances.

The mortgage was with HSBC who marked the debt as 'settled' on my credit file in 2011 although I owed them money.

This was removed from my credit file at the start of last year since it had been 6 years since the settlement date.

I am certain that I had PPI on this mortgage. If I try to reclaim this PPI will it awaken the debt?

I have seen the rule of 6 years for standard credit card and loans but wondered what would apply to the mortgage?

Cheers DX, will do.

Cheers. So just ignore and if anyone turns up and mentions it to tell them it's out of date as over 6 years old?

Was told no email copy available as it was too old and no longer relevant.

Would it be the old name for them and the guy knew of them so just told me it was hoist?

ThanksDX,

I have donated to the site via your link for your help and others earlier in the thread.

Yes I think it would be HSBC as they didn't sell the debt for the first 6 or 7 years.

Rob Way have had it for 3 or 4 years but no CCJ from them.

I have just spoke to the court and they said it was purchased by a company called Hoist in September 2007.

Thanks. I have pm'ed it to you.

can't use bailiffs

not sure where you are getting that from

the court wold never allow enforcement outside of 6yrs

rare as hens teeth.

 

can you answer my question please

WHO is the claimant on the CCJ or the notice of judgement?

 

dx

Sorry dx, I'm not sure on the claimant. I assumed it was HSBC as that who the debt was with originally. Is there a way I can search for this CCJ?

I was assuming bailiffs would be their next tactic if I ignore them.

Ignore them......come back if you get anything from the court...re application.

 

 

Andy

Thanks.If the bailiffs come round can I point them towards something that says CCJ is out of date and you need a reissue?

no not the original Creditor of the debt behind the CCJ...

who was the claimant that got the CCJ against you?

 

dx

HSBC.

I didn't actually receive the CCJ myself but it was possible at that point it went to the old address, which HSBC repossessed and had my current address prior to that,so say 2008-09 ish.

who was the claimant on the CCJ?

Thread moved to financial Legal Issues forum...please continue to post here to your thread.

 

 

Regards

 

Andy

Thanks Andy

They're chancing their arm.

They know they cant do anything as its over 6 years.

 

Thats why theyre begging you and trying to trick you.

 

by collection activity, they mean just send you more letters.

 

We've seen the same thing lots of times from lots of different DCA's.

What would be the best way to handle it? Ignore it? I assume they can't send bailiffs round as is?

Thanks for the reply. Letter as follows ...

Thank you for your recent email (I actually sent them a letter)

Please note that as this account is subject to a County Court Judgement, the account is not statute barred.

The CCJ was obtained at X County Court Business Centre in October 2008 and the case number is X.

Please complete the financial statement to enable us to get a better understanding of your circumstances and return with your affordable proposal for payment within the next thirty days.

If we do not hear back from you within this time, collection activity will resume.

Just checked the electoral roll data on 192 and it says I'm on the roll for this address 2007-08, 2011, 2013-18.

I think they bought the debt around 2013/14.

It's not on my credit file.

I tend to get a letter about every 3-4 months from Robinson Way.

I've not responded to them as I was too busy dealing with my mum until she passed away last year.

They will have had my address the whole period they have owned the debt.

Thanks Renegadeimp

It is Robbers Way.

What is my best way to deal with it?

As mentioned before I mistakenly sent them a Statute Barred letter as I didn't know about the CCJ.

Thanks Bazza

The debt was originally with my main bank at the time and they would have had my current address.

I last moved in 2007/08.

I was on the electoral roll the entire time.

Robinson Way was sold the debt about 3 or 4 years ago

but I had not replied to their letters over the years.

My first contact was with the guy who came to the door the other week.

They have chased it in terms of letters,

but nobody has been to the door bar the guy the other week.

I've not had bailiffs come.

Thanks for the reply.

How easy is it for them to get that court enforcement?

Thanks for the reply.

They have yet to send the bailiffs and they have owned the debt a number of years.

However, as I sent the template Statute Barred letter, have I now stirred the hornets nest?

Hi all,

I became a carer for my parents way back in 2007. To do this I had to give up my business and as a result had my home repossessed.

As my mum had dementia and declined rapidly I had little time and even less inclination to deal with it all, and dug my head in the sand.

At the old property (by that point I was living with my parents) I had a lot of debt letters and just left them there.

Only 2 creditors are still chasing me via debt companies.

They are both credit card debts.

I sent 1 of them the statute barred letter as they turned up at my door the other week.

The guy was more of a friendly 'good cop' than a bailiff.

They have replied back saying the debt had a CCJ issued in 2008 and gave me a case number to check.

This would have been addressed to the old property which was repossessed in 2010.

My parents died last year and although I have inherited the house I have yet to process it at the Land Registry.

I am worried about balliffs turning up.

The debt is around £7k.

Thanks

JM