recieved my letter and not one ccj against me at my old address and name i left there 7 and half years ago so it would still have been on for at least 4 and a half years of the 6 years that was checked into wouldnt it so if there is nothing on does that mean that one cant be created now by anyone for anything from back then. does anyone know please!!!!!

does anybody know how i find out if a ccj was issued against me over 7 years ago and would it still be inforce, or could adebt company have it reinforced

how do i find out if a ccj was issued against me

whats a cca letter ? and if its too late for them to act cant i just tell them to bog off ?

I had debt and a bad husband hid from both and divorced the latter it is now 7 and a half years later and the following letter arrived. my name and address 15th november 2006 reference: blah pursuers: The Lowell Group principal sum: £7167.69 This letter is sent by the way of an introduction to Mackenzie Hall limited, who have been instructed by the Lowell Group, being the owner of the above account , to pursue you for payment in full. This communication is an attempt to collect the payment in full without the need for further action. Our client's records show that you are contractually responsible for payment of all monies due. The agreement, dated and regulated under the terms of the Consumer Credit Act 1974 went into default and subsequently charged off by the original . as a result of that default, the total balance outstanding at today's date amounts to £7167.69 inclusive of all interest accrued in accordannce with the terms of the agreement. Accordingly The Lowell Group, as the legal owner of the balance due, is entitled to immediate payment of that amout from you. Your paument must be made payable to Mackenzie Hall and sent immediatly to: Mackenzie Hall Ltd 2nd Floor 30 the foregate Kilmarnock Ka1 1Lu quoting reference no blah blah If you dispute the validity of all or any part of this debt, you must notify Mackenzie Hall in writing, providing full details of the reason for your dispute. within 7 days from the date of this letter. should you wish to discuss payment, please telephone the number enclosed between the hours of 08.30hrs and 19.30hrs Monday to friday and 09.00hrs and 12.00hrs Saterdays. If we do not hear from you within 7 days, further action will be taken in respect of the full outstanding balance. Foolishly i panicked rang and quoted ref saying i had letter passed to me right name and date of birth but i had never lived at the previous address and area they quoted (though i had) and they had the wrong person. they said they would get there accounts to check. And now im living on my nerves. it has now been 7 and a half years and i am told that after 6 years it is written off so it seems someone is trying to scare me into paying it. can anyone help!

thanks for the info on my default, I look forward to feb 2007 and the possibility of getting a better credit score. thanks derek

I have a question, in 2000 I was left with alot of debt when my marriage went south, I paid off a lot of the debt, but had a default put on a higher purchase account for a car, as i couldn't make regular payments. This was done in Jan 2001. I have been making reduced payments on a regular basis for some time now by direct debit, when I checked with Equifax, about the state of my financial status, the default shows up but not any of the reduced payments I have made since 2001, so this means I cant get credit for anything bigger than a mobile phone. Does anybody know how I can get this changed so that my credit rating will improve, I still owe a couple of grand but make my payments on time each month. thanks derek