I have recently signed up to clearscore and viewed my file, I have noticed I have a CCJ dated back to 14/01/2015. I guess I will have had correspondence from the courts way back when but I have no recollection of that.
i emailed the courts and they advised it was debt recovery agency Cabot and saying that restons are representing them.
The original debt was Lloyds TSB loan, which I do remember and being the overused 'young and daft' ended up defaulting.
I have certainly not acknowledged the debt or made any payments in the past 6 years.
I have been reading other similar posts and seeing a lot of great advice, but I am not sure what applies to me seeing as though the CCJ is so old.
The court have advised I can contact claimant to arrange payment plan or make a claim to 'set aside the judgement'
I have yet to do anything and thought it best to seek advice first.
The court have indicated that the original debt was 'on or around September 2008
So, thats why I am here, looking for any help,
is this statute barred?
Should I be looking to get this set aside?
The reason I found out in the first place is that I am looking at a career change and trying to gains some professional qualifications where my history will come under scrutiny,
so I would rather not have it there if it shouldn't be there.
