ah I see. I get it now. Another [problem] then by the finance industry. site does not like me using a word that rhymes with spam and put (problem) in for me instead!!??

In any other court action you have to submit evidence but not here it seems. I am amazed that it is allowed to go through by Judges. Allowing SB debts to go through unchallenged should be illegal. Maybe I'll wait for some neighbour to move and put one on him at the old address... he may never find out then change that into a charge on his new property. Seems there is no law to stop me! Well I've done all I can so we will see in a few days what happens.

I should add that it appears the debt was sold from my original lender to PRA Group. so my action is against PRA Group. Yes I paid already. I presume they have to provide evidence of the debt and payments made etc? I thought they also had to provide me with their evidence before court?

I phoned the claim center in Northants. They said the claimform was sent 20th July 2016 to the wrong address. They told me who the original debt was with. I informed this bank in 2015 of my new address. I have nothing about this debt on file. but last payment would have been no later than May 2010 but i think more like Feb 2010

I don't understand how a backdoor CCJ to an old address equates to me "running" from the debt. I don't have the claimform as I was not living at the address or had access to the address. This was a correspondence address up to 2014. Yes I have sent the N244 on the grounds that it was statute barred before Aug 2016 AND the paperwork was issued to the wrong address. Therefore I should never have had a charge attached to my property.

I am challenging the charge on my home and the original CCJ. How can I find out when the claim form was sent? Why should I inform them of moving? Is there a legal obligation? You say 7 years why is that? I did not "run" as you judgmentally put it.

I'll be as brief as possible. defaulted on debts 1st Quarter 2010 and never acknowledged the debt or contacted them. 2015 moved home. August 2016. had a CCJ attached to me at an old correspondence address. Jan 2018, got a letter at current address informing me the CCJ was now a charge on my property. Checked credit file and found CCJ from Aug. 2016 from a company I did not know. The original debt would have been statute barred. Is there any obligation for me AFTER the 6 years to inform anyone of my new address? particularly old creditors and creditors who buy the debt? I am challenging this in court. Any help appreciated.