Hello,
I have an old debt bank loan from back in 2008 which I defaulted on and was passed on to a debt collection agency back then and I agreed a token payment of £1 per month which I have continued to pay since.
Today I have had a letter from a new collection agency stating they have taken the debt on but have not had contact to verify this from the previous one and continue to pay them the £1 per month. This fell off my credit file back in 2014/15 and have continued paying the token payment.
I have never been issued with a ccj on this and my question is can this new debt collection agency give me a ccj on this debt after all of this time?