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Judgement obtained against me but not followed up.


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Hello

Over 6 years ago (before I was aware of this great website) I suffered a CCJ against me by a well known debt collection agency.

It was for a 3 yr old credit card debt at the time and due to my ignorance, the CCJ went uncontested and as a result they got a judgement against me.

 

I received plenty of threatening letters (threatening bailiffs, attachment of earnings etc.,) as I never acknowledged or responded to anything they sent me .... oh how I wish I had discovered Consumer Action Group before this!

 

The CCJ has now been removed from my credit file as it is over 6 yrs ago since the judgement. Starting about a year after the date of the CCJ, I received one or two letters each year from them asking me for payment but these became much less threatening and more along the lines of "lets us help you pay this debt off", by offering me a 60% discount. The last letter from them was about 6 months ago.

 

My question;  is the CCJ still legally valid even though it has come off my credit file?

As they have made no attempt to enforce the judgement in nearly 7 yrs now, could they still legally do this. 

Would I be able to offer a defence against any enforcement action in the courts?

 

 

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22 minutes ago, james2222 said:

My question;  is the CCJ still legally valid even though it has come off my credit file?

As they have made no attempt to enforce the judgement in nearly 7 yrs now, could they still legally do this. 

Would I be able to offer a defence against any enforcement action in the courts?

 

Yes its still valid.

Yes its possible with the courts permission although very rare a Judgment creditor makes application to re-enforce.

I doubt it...if they did make application and was successful it would be prudent for you to submit an N245 and get an affordable payment plan in place endorsed by the court...but you only do that if they did try to gain permission.

 

Andy

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