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CCJ on over 7 year DEBT


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No....the debt will be statute barred, if you haven't made a payment towards OR acknowledged the debt in 6 years (5 in Scotland) then enforcement will be barred by the statute of limitations act 1980....

 

Has the debt already got a CCJ on it ?

 

If not then send letter 'M' from here by recorded delivery - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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Be warned some debt collections will issue a claim...(in the hope that it won't be defended...)

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

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When was the last payment/written aknowledgement of the debt ? and what is the debt for ?

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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Thanks for your quick response.

 

I don't know anything about the debt as my partner returns everything to sender if it is not addressed to either of us. She was unaware of my previous name as it was so long ago that my name was changed.

 

She mentioned that about 3 months ago we received a letter from the County Court Bulk Center in Northampton, she did not open it, just returned to sender.

 

I have had no credit in the last 7 years as I have not been working and am presuming that it must be a CCJ for something. I have looked at my credit file on Experian and that's fine, so am now waitng for my file from Equifax.

 

If a DCA has gained a CCJ after 6 years is there a defence I can use if it comes to enforcement? and or removel of the judgement from my credit file?

 

TIA.

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