debt collection firm.>!!

[larrylamb]

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

[silverfox1961]

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

[sillygirl1]

What is the name of the tracking firm? How did they notify you, was it a postcard type addressed 'To the Current Occupier' or to you by name?

[DonkeyB]

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).

[harrassed senior]

? I thought a CCJ never expired?

[DonkeyB]

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...

[PGH7447]

ignore it, or check your credit file to see who has been snooping around