Returning to the UK and CCJs

[ReturningGhost]

Hi, I left the UK in 2007 to live abroad. Whilst away our house was repossessed (Tenants not paying rent - I couldn't afford mortgage) and a CCJ was issued. Two further CCJs were issued, one for non-payment of a credit card and the third from "MAYORS & CITY," which I do not know what it is for. I only know about the CCJs from viewing my credit report - I do not have any paperwork or court documents.

 

After 6 1/2 years I am now planning to return to the UK.

 

The CCJs are dated between Mid '09 to Mid '10.

There are credit agreements in default on my file dated between 2008 and 2009.

 

I understand that the default accounts will "Drop off," the report as they hit 6 yrs and the CCJs will be un-enforceable and leave the report once they hit 6 years old.

 

I haven't had any contact with the creditors or the courts whilst I have been abroad.

 

I am not on the UK electoral role.

 

I plan to rent a property, can I put this under a parent's name as "Furnished," so on paper I do not own any of the property contents? I will not pass a credit check in the UK so can not rent a property in my name anyway.

 

I will also drive a car owned by a parent.

 

I do not plan to attempt any credit applications.

 

Is there anything else that I need to consider to ensure that I remain "Under the radar," on my return to the UK for the next couple of years until the debts are all barred by statute?

[ashmk]

CCJ will not go away after 6 years. It will drop of your file but it will still be there should the person who got it decides to enforce it. They will have to explain to the court why it's took so long but you being out the country is a pretty good reason for the court to enforce it.

 

Debt avoidance is not something this forum is for.

[renegadeimp]

To add to the above it is very rare for a court to grant enforcement on a ccj over 6 years

[ReturningGhost]

Thanks ashmk, I appreciate that this forum is not for debt avoidance, I left the UK to set up a business, the business was not successful so I could not repay the mortgage in the UK once the tenants stopped paying the rent hence the repossession and CCJ. Due to the difficulties with the business abroad I ended up taking more credit abroad. I can return to the UK and service the debt abroad. I am assuming that you would not advise that I return to the UK and contact all creditors on landing to explain that I have returned to the UK. As when people launch a Ltd liability company, I am trying to set up my new UK life with limited liability. The worst case scenario is that I return to the UK with my possessions, rent a house, buy a car, put the kids into school and 4-6 weeks down the line I get a bailiff at the door relieving me of the car and all contents of my rented property.

[ReturningGhost]

To add to the above it is very rare for a court to grant enforcement on a ccj over 6 years

 

Thanks renegadeimp, as ashmk stated I am guessing that in my case, being out of the country for 6 1/2 years with no forward contact details is a good reason for the court to enforce it.

[dx100uk]

pers I'd sit tight and do nowt.

 

 

if you were out of thecountry

you had no opportunity to defend yourself

so that works for you rather than against you.

 

 

I doubt you'll hear anymore about them.

 

 

when they drop off the cra file

will give you a good indication.

 

 

dx

[ReturningGhost]

Do I need to be conscious of anything that would update my credit record with personal data such as registering with the Electoral Role (Which I know has to be done by law)?

[dx100uk]

I don't think you can do anything

to really hide.

 

it will come out

 

but its who got the CCJ's and their value is the more important info