ccj

[filrobbo]

Hi

 

I had a CCJ made against in 2008 by a DCA company

 

I think this debt is wrong

 

can i still take it back to court or is it too late.

 

The debt is paid off

but thay cant tell me who they bought the debt off

and i dont now were its from

 

I just went along with it as they were trying to make me bankrupt

 

i had a lot of debt but didnt check every thing,

 

what I need to now is ,if they cant produce a signed credit agreement

 

can I chase them for the money I paid them.

 

Thank you.

[Bandit127]

The debt was established in law by the CCJ. At this point in time that means that a credit agreement (in fact the Consumer Credit Act) does not apply.

 

You would need to get back to the position you were in before the CCJ if you were to start looking in to the validity of the debt.

 

I am not an expert so I cannot tell you if too much time has passed, but I do know that you would need to get the CCJ "set aside" to do this.

 

If it was me, I would mark it up to experience and move on.

 

It will drop off your credit file in 2 years.

[cerberusalert]

Didn't the PoC give a clue to the debt when you first got the papers?

[citizenB]

I think I would agree with Bandit in this respect - I think you might have left it too late.

[filrobbo]

Thanks probably but had that many debts and dca chasing me you carnt always keep track of them

[filrobbo]

Thanks every for your replies yes i may have to let this one go I ll see how fare I can take and let ya now.

[havinastella]

I think you should still question the DCA as to what this debt is about.

 

You may need to SAR them to get all the info they hold on you.

[sequenci]

I think I would agree with Bandit in this respect - I think you might have left it too late.

 

Totally agree. A Set aside application must be made 'promptly'. An application two years down the line is highly likely to be refused.