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debt collection firm.>!!


larrylamb
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Hi , i incurred a dbt to Barclaycard just around 15 years ago , I believe a CCJ was issued on this..but honestly cant remember...(young and stupid at the time)..I have now recieved a letter from a tracking firm that are saying that Barclaycard sold the debt to another company who are chasing it up..!!

 

I have not heard anything in relation to this debt in well over 10 years indeed i think it is the full 15 as mentioned above...would this come under statued time limitations..??..any help would be appreciated

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hi and welcome to CAG

 

Two choices, ignore or tell them it is statute barred. Court judgements don't have a time limit but if no collection is made within the 6 years following judgement, a judge is highly unlikely to enforce the judgement.

 

Personally, I would do nothing

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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A CCJ will be valid for 12 years, but a court would want to know why enforcement has been left for so long.

 

Can you tell us who’s on the case? Try and find out when the CCJ would have been (though records with CRAs only last for six years).

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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? I thought a CCJ never expired?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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This is ringing bells, HR – I may be wrong (nothing new there...). I thought ‘sealed’ items was 12 years (eg. mortgages). I do seem to remember a thread which discussed whether unsatisfied CCJs can be continually reregistered with DCAs...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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