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    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
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Student Loans and Arrears. Advice please.


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Hi, really need some advice.

 

I took out Student Loans in 1993,1994,1995 and 1996. I Graduated in 1997. I was not earning the minimum amount for repayments until 2000, when I made repayments for approximately 10 months before being made redundant, where I then began to accrue arrears.

 

In 2002, I moved to London and gained employment, and then began to make repayments after Student Loans Company contacted me and began threatening me, at around this time, I began living a reckless lifestyle, drinking to excess etc, and despite always working, I ignored my debts. In 2005, I began making repayments again, but soon defaulted and then in late 2006, I was contacted by Debt Collectors, initially Smith, Lawson and Company and then another firm (whose name escapes me), they refused to accept monthly repayments from me, and demanded the full amount, threatening me with doorstep collection etc. This merely terrified me into accepting a promotion in another part of the country and basically avoiding them ever since by not going on the Electoral Role.

 

I have finally battled alcohol addiction, paid off a £6000 CCJ acquired in 2002 (which has now come off my credit file) and now want to start making repayments with Student Loans, so that I can go back onto the Electoral Role, rebuild my Credit History and get my life back on track.

 

I am terrified to contact them incase they demand the full amount again (which I can't afford in one go) or if the debt has been sold on to debt collectors etc and they start hassling and threatening me.

 

Why have they never issued a CCJ or default notice or applied for an attachment of earnings, esp since I have worked for a Government Dept for the past 7.5 years? I have used CreditExpert frequently, but they have never registered this debt.

 

I know it is my fault, but I want to get back on track.

 

Any advice please.

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