CCJ more than 6 years ?

[noddyaccount]

I am still being chased for a debt , that I haven't been able to pay for the last 4 years , The CCj is over 6 years old , can they give me another one ?

[IdaInFife]

no but they can enforce it.

 

Failing to make the payments can lead to a number of enforcements being taken such as the issuing of Bailiffs, a "charge" being placed on your property (Charging Order) or the court can have money deducted straight from your wages (Attachment of Earnings Order).

 

ida x

[diddydicky]

how much is it for? a ccj comes off your credit file after 6 years but like herpes it never goes away

[noddyaccount]

no but they can enforce it.

 

Failing to make the payments can lead to a number of enforcements being taken such as the issuing of Bailiffs, a "charge" being placed on your property (Charging Order) or the court can have money deducted straight from your wages (Attachment of Earnings Order).

 

ida x

 

Thank you , how long can they enforce it for ?

[diddydicky]

Thank you , how long can they enforce it for ?

 

for ever - as i said it never goes away there is no time limititon (although i think they might need to apply to the court after 6 years)

[sam614]

for ever - as i said it never goes away there is no time limititon (although i think they might need to apply to the court after 6 years)

 

 

yes,they have to get permission of the court and a good reason for the delay.

 

If its OC there is no time limit for them to apply,but they need original court details,as these are removed from central records after 6 yr.

 

If its DCA

the court will only grant permission up to 6 calendar from purchase date.:D

 

SAM:pLOWELL DETESTER

[diddydicky]

yes,they have to get permission of the court and a good reason for the delay.

 

If its OC there is no time limit for them to apply,but they need original court details,as these are removed from central records after 6 yr.

 

If its DCA

the court will only grant permission up to 6 calendar from purchase date.:D

 

SAM:pLOWELL DETESTER

 

thanks sam thats something i did not know (dca purchase of a ccj)

[IdaInFife]

I thought because the last acknowledgement of the ccj was 4 years ago so they wouldn't need to go back to court

[diddydicky]

it just comes off your file after 6 years they would have to apply to the court if there was no activity after 6 years

 

how much is it for, what is it for and what are you trying to achieve?

[sam614]

I thought because the last acknowledgement of the ccj was 4 years ago so they wouldn't need to go back to court

 

 

they would still need permission if OP has not payed for 4 years,and they have not enforced.

 

thats why me thinks its with a DCA.

the 6 calendar months is after a clear 6 yr period from judgement date

if it is under 6 yr they would get permission up 12 calendar months from purchase date.

 

 

 

SAM:pLOWELL DETESTER

[noddyaccount]

they would still need permission if OP has not payed for 4 years,and they have not enforced.

 

thats why me thinks its with a DCA.

the 6 calendar months is after a clear 6 yr period from judgement date

if it is under 6 yr they would get permission up 12 calendar months from purchase date.

 

 

 

SAM:pLOWELL DETESTER

 

Is there any point at which one could do a cca request , to establish if there was an enforcable debt in the first place ?

[diddydicky]

not really your chances of getting the judgement set aside after this long would be extremley low

 

you'd have to have an exceptionally good reason why you have left it this long

 

but its only a quid!

[sam614]

depends on what the debt was,if it is covered by cca.

 

is it with a DCA now or oc?

 

presume that if a cca did exist it was signed over 6 yr ago,and oc will no long have it.

 

and could be worth a try,as DCA cant get it:D

 

you say you have not payed it for 4 yr

did you pay anything before that

 

did you know it was registered

or sold on?

 

you can request a cca at any time i believe.

 

as diddy says you will have to give some details of the debt,

and what you want to achieve

 

SAM:pLOWELL DETESTER

[diddydicky]

depends on what the debt was,if it is covered by cca.

 

is it with a DCA now or oc?

 

presume that if a cca did exist it was signed over 6 yr ago,and oc will no long have it.

 

and could be worth a try,as DCA cant get it:D

 

you say you have not payed it for 4 yr

did you pay anything before that

 

did you know it was registered

or sold on?

 

you can request a cca at any time i believe.

 

as diddy says you will have to give some details of the debt,

and what you want to achieve

 

SAM:pLOWELL DETESTER

 

ive tried that tack sam he seems reluctant to say the amount or what the ccj if for which makes advising him that much harder

[sam614]

:)frustrating.

[noddyaccount]

:)frustrating.

Sorry to be frustrating the original debt was originally £800ish , the remaining balance is approx £400 , the ccj was about 7-8 years ago , and there has been no contact for 4 years , Thank you all for your input .

[sam614]

so the ccj is no longer on your file,and been removed from court records.

 

if it is the OC after you now and they intend to enforce,what reason can they give for allowing no contact or payment for 4 yrs.

 

if DCA depends on when they brought if they would be granted permission.

and if they think its worth it for 400,but bear in mind they prob brought it for between 40 and 80 quid.

but would they have the original court details.

 

would presume that OC no longer hold details if it is 7 or 8

 

what do you want to do?

 

SAM

[noddyaccount]

so the ccj is no longer on your file,and been removed from court records.

 

if it is the OC after you now and they intend to enforce,what reason can they give for allowing no contact or payment for 4 yrs.

 

if DCA depends on when they brought if they would be granted permission.

and if they think its worth it for 400,but bear in mind they prob brought it for between 40 and 80 quid.

but would they have the original court details.

 

would presume that OC no longer hold details if it is 7 or 8

 

what do you want to do?

 

SAM

 

Wait and see ? I don't see the sense in putting my head above the parapet , I will wait for their next move , there's been no contact for 4 years , if I cca them , I will put myself on the radar , meekly wait and murmer not .

[diddydicky]

totally ignore them