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ejleigh68

Is This Debt Enforcable

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Hi all I am new here and have been reading some of your excellent threads.

I now have an issue (or rather my wife does) 22 years ago her ex husband was made Bankrupt and also found to be a fraudster, this however was never tried in court (mores the pity).

Anyway they had seperated for many years and then we met and married in 2004.

She has just had RWC contact here re a Barcleys account (£1236.82 outstanding) from the period of the Bankrupcy in her name, that she knows absolutly nothing about, according to RWC this account was being paid at £4 per month up until 2004 when it suddenly ceased to be paid (funnily enough just as we got married)

They have even claimed that there is a CCJ from 22 years ago on the account, I am somewhat sceptical about this as my wife has an excellent credit rating and has never had problems obtaining credit even in her previous married name in the past years.

 

The first thing I made her do was send a CCA request letter, and a cease harrasment letter with regard to telephone calls, I may have made a mistake here after reading about signing letters although this has been done in her new married name, and also by sending a cheque from our join account (that was formally my account).

Edited by ejleigh68

"I am no Solicitor but deal with REAL hard case lawyers everyday, this gives me the strength to deal with the lightweight idiots that are thrown at me everyday by DCAS :D"

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If a 22+ year old CCA "appears" with your wifes new married name on it I think the OC or DCA would have some serious answers to provide:D

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The DCA would need a VERY good reason to get that CCJ enforced after all this time. The only way is to go to court.


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What worries me is that "Someone" was paying this debt at a reduced rate until 2004 when we got married (funnily enough RWC cant tell my wife who). I have read a few threads on statute of limitations etc on debt and I think this is why they are now crawling out of the dung heap. Would just like to slam dunk these blood suckers as we are planning to remortgage soon and to be honest we just dont need any hassle right now as times is tough .... :(


"I am no Solicitor but deal with REAL hard case lawyers everyday, this gives me the strength to deal with the lightweight idiots that are thrown at me everyday by DCAS :D"

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