How long before a CCJ is filed and debt statute barred

[Totant]

Hi,

 

I've been living overseas for almost 5 years and have defaulted on UK several loans\credit cards close to 4 years ago.

 

I have just paid for a search which has come up clear of any CCJ. My question is if a CCJ was to be filed for would it not have already been done so by now. One of my debts has been sold on at least 3 times already but thankfully no CCJ.

 

Also does the 6 year period before the debt can be statute barred start from issue of a CCJ or the date of initial default?

 

Thank you

[sequenci]

Hello there, the 6 years starts from when you can first be sued for the debt - this is known as the 'cause of action' - this is generally the point of default - which is typically once a couple of payments have been missed as per the contract. The facts that debts get sold on wouldn't change the date of the cause of action.

 

Best wishes,

 

Seq.

[alisindebt]

I also moved abroad. Everything is written off now. Just avoid any contact with them, even if they email, report as spam. Keep original records showing when you defaulted, etc. After 6 years they can kiss your RRRs. Even if they issue a CCJ at your old UK address, you can have it set aside on the basis that you no longer live there; it has to be served on your real address. It cannot be served to a foreign foreign address. See my threads on here to see how I wrote the whole lot off, then went on to claim all the PPI back.

 

Don't be afraid to visit the UK for a holiday. They don't check your passport or wait at the airport for you, haha!

[sequenci]

Even if they issue a CCJ at your old UK address, you can have it set aside on the basis that you no longer live there; it has to be served on your real address.

 

Service at a last known address would be valid service as per the civil procedure rules.

[Totant]

Thanks mate. Have read elsewhere on here that it is best to tell them that I am no longer in the country and provide a PO Box address in my current Country for them to send there threatening lettered to. Apparently once they have been officially told of lack of UK residency there are unable to CCJ against a UK address. Would like to know if anyone can verify this and confirm that this is a sensible course of action

Will now read your threads!- cheers

[alisindebt]

Perhaps I should have clarified. I notified Egg many times over several years that I was working abroad. The address was a friend's house, my last address in the UK. So Egg knew I was abroad. But they went ahead with the CCJ in my absence, and I can assure you it was set aside and I eventually received a letter to my new address abroad, which I voluntarily gave them, saying that the account was permanently closed and written off. Sorry omitted the full details earlier, I was abbreviating.