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Found 1 result

  1. Hi. I've been lurking for a while and found loads of useful information about CCJs but nothing that could answer my particular questions. My situation is that I believe there are several CCJ's issued against me but all must have been more than six years ago as they do not show up on a search of Trust Online, so have been removed from the public record (if they exist at all). I left the address where I incurred the debts (several unpaid Credit Cards and a bank overdraft) eight years ago and actually went abroad, without giving any forwarding addresses to anyone. I have been out of the UK for eight years with no contact whatsoever from any of the companies or from any court, so I have no idea if these CCJs even exist, but I assume they must, surely. I am aware of the Statue Barred rules and fully understand that any debts which ARE covered by CCJ will NOT fall under SB. I am just worried that these CCJs could still be enforced in the future and yet I cannot find any details of them or if they even exist at all. My specific questions are: 1) Does anybody have experiences of credit card companies or banks NOT seeking a CCJ for a defaulted debt? It's worth a shot, I suppose, but highly unlikely. Maybe as there was no record of me in the UK and thus very little chance of collecting, they might not even have bothered. 2) Is it true that there is no way whatsoever for me to trace these supposed CCJs without knowing the judgement numbers/dates etc.? It seems even the courts themselves do not keep a record after six years and only the original claimant (or the assignee if the debt has been sold) would even know they exist. For obvious reasons I will NOT be contacting the companies concerned. 3) What does it take for a 6+ year old CCJ to be "re-activated", if that's the correct term? I have read on here that "unusual" circumstances have to be demonstrated in another visit to court before a 6 year old CCJ can be actioned. Does this happen often? Any examples? Would the fact that I have been totally untraceable in the UK for 8 years be any sort of mitigation as to why they have not tried to enforce the judgement(s) yet? I think that covers my concerns for now. Let me know if I need to provide any further information and a big THANKS in advance.
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