Hoist Finance chasing +9ys old CCJ for GE Money store card debt from 1999.

[Gordo52]

Hello I wonder if anyone can share any advice on this please or have experience of being approached about a store card debt from nearly 20 years ago?

 

Brief summary -

I had a store card through GE capital in 1999 (Apparently, I don't remember)

They tell me there was debt on it at some point, for which a CCJ was subsequently issued in 2008 (I don't recall receiving one) but the service address was a property that was  also repossessed in 2008 (I've moved a few times since then)

Later 2008 in was declared bankrupt (they were not aware of this)

Hoist Finance apparently bought the debt from GE capital in 2013, so even that was 9 years ago!

They have now written to me demanding payment.

 

Can anyone advise what is my position and how I should respond in this situation?

[dx100uk]

ignore them

 

no judge will ever allow enforcement on a CCJ outside of 6yrs.

they would have to return to court to do that

of that you would be informed.

 

if you wish you could simply WRITE to them

and legally inform them of your correct address now.

staple a copy of their letter too it.

 

might be best incase they try backdoor litigation, of what i don't know but better to be safe than sorry.

 

 

 

 

[Gordo52]

3 minutes ago, dx100uk said:

ignore them

 

no judge will ever allow enforcement on a CCJ outside of 6yrs.

they would have to return to court to do that

of that you would be informed.

 

if you wish you could simply WRITE to them

and legally inform them of your correct address now.

staple a copy of their letter too it.

 

might be best incase they try backdoor litigation, of what i don't know but better to be safe than sorry.

 

 

Thank you. Sorry just to clarify write to who? Hoist wrote to me at my correct address now, so they already know it

 

 

[dx100uk]

No legally they do not as you have moved.  You must always royal mail letter any debt owner on any debt you last paid or used the credit in the last 7yrs to prevent backdoor ccj 's.

 

Dx