Information

[hoganknowsbest46]

Hi all

 

Just a quick question.....

 

 

1 I have just checked my credit file and it states that my CCJ will be removed in 12 months from my credit file. What does this mean about the debt though? I have not made any payments in 5 years so does it qualify as statue barred if its a CCJ?

[silverfox1961]

Hi

The debt will fall off your file but a CCJ does not go Statute Barred. What does happen is that after 6 years the creditor would have to go back to court to attempt enforcement. This is rarely given (unless they have very good grounds) as they have had 6 years for this particular bite of the cherry

[hoganknowsbest46]

Hi thanks so when you say its rarely given what factors go into the fact that it might be given then? (enforcement)

[Conniff]

Moved to the 'Debt Collection Industry'

[Bazooka Boo]

Hi thanks so when you say its rarely given what factors go into the fact that it might be given then? (enforcement)

 

It 'might' be given if they can prove to the Judge that you deliberately hid, or simply avoided all their contacts, moved address and dropped off the radar.

 

Even at this stage they would be very hard pushed to act on it.

 

What does it relate to?

Who took it to court?

How much is it?

What, if anything, have you received in the past regarding it?

Did you defend this, or was it another 'win by default' ?