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Hello, Yes that's correct. The first CCJ was late 2007 and the second was early 2008. Both CCJ's were removed from the register and our credit files in 2013/2014. I understand they stay on file for 6 years. Both CCJ's obtained a charging order in court and then went for an order for sale, which was unsuccessful. The debts were sold by the original creditors to different DCA's. The original debts were unsecured credit card balances. We started making monthly payments around 2016. Am I correct in my understanding from what I read so far: The CCJ's are no longer valid as they have expired There is no longer a CCJ to enforce The charging orders (restriction k's) are no longer applicable be cause we sold/moved home There is very little the DCA's can do except harass and threaten us I guess these are not time barred as we have been making payments Ta
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So these two payments you have going are for CCJs?
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By BankFodder · Posted
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It's absolutely disgraceful if they only tell you how much you have to pay once you're inside the rip-off area. Yes, I suppose you could argue that once you saw the terms you didn't agree and immediately left. Bu realistically the fleecers would issue their £15 charge then increase it to £100 then add Unicorn Food Tax to £160 - is it worth the hassle to save a fiver? This seems to be a particularly British thing to treat car parks as a cash cow rather than as a service for passengers. I took my son to an Italian airport this morning. The drop-off area was completely free for 10 minutes. It would have been damn expensive had I stayed 11 minutes but that's fine, keep it free for genuine drop-offs but hammer those who abuse tje area.
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Ok my next step is to stop paying the 2 DCA's repayments that were put in place to fend off the orders for sale. Those vultures have had enough of our money. The CCJ's fell off the register years ago and the restriction k's were chocolate teapots. It really is one big rip off scheme. I'll need to reassure my wife who is fearful of door stepping and/or further recovery actions. Any advice on potential follow up from the DCA's and how to manage it greatly appreciated.
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