Equidebt CCJ

[shystar]

Now Cabot have bought Equidebt's debt book, will they have been told about any CCJs in there?

 

Mine is about 9 years old, For less than 2.5k credit card debt.

 

Thanks

[dx100uk]

even paid it or ever been enforced?

 

 

dx

[shystar]

Yes to both sadly. I started paying £7 as per judgement, but struggled on JSA, bailiffs visited to collect but I was out at the time.

[dx100uk]

think you need to tell us the full story please

[shystar]

The debt relates to a Smile credit card that went to Equidebt when I lost my job and got into difficulties.

They ended up getting a CCJ by admission against me which I kept up with for about a year.

 

I reached a point where it was a case of pay them and starve, or eat..

It was about the middle of 2008 when the got the bailiffs involved.

 

That is where things lay until Equidebt went under and Cabot bought a load of their accounts including mine.

I've not been aggressively chased, and I've read on here that CCJ details don't get pased along when debts are bought. What prompted the query, is that the CCJ is no longer on my CRA files

I spoke to a barrister on one of the local radio shows that do a free legal hour, and he was of the view that it was very unlikely to come back and bite me. however I was only able to give him a quick summary.

 

I'm going out and won't be able to respond until later this evening.

Edited June 5, 2015 by shystar
advise of delay in responding to further posts

[citizenB]

If the CCJ is more than 6 years old and you have not contributed toward it - it will no longer be recorded on Trust online or your credit files. If Cabot wish to collect on the judgment, I think they might have to return to court to be permitted to do that.