Old CCJ...??

donnap83

Hi,

I was issued a CCJ in Sept 04, which has never been paid. Will it disappear from my credit reference file in Sept this year, once it hits it's 6 year limit, or will it remain until i pay it off? I don't think I've made a payment on the account since Feb 04, however a debt agency did send me a letter a few weeks ago stating that i needed to pay within 7 days to avoid further action. Can someone please advise me on what i should do????

donnap83

Anyone??? Please!

Fergie76

I'm no expert, but as far as I am aware, if they don't act on the CCJ within 6 years then they would need to go back to Court to be able to enforce.

I think it will fall off your Credit File at the 6 year point.

Like I said I'm no expert so, please get conformation from an expert. Never-In-Doubt knows his/her stuff, might worth dropping them a PM with a link to this thread.

never-in-doubt

Fergie76 wrote: »

I'm no expert, but as far as I am aware, if they don't act on the CCJ within 6 years then they would need to go back to Court to be able to enforce.

I think it will fall off your Credit File at the 6 year point..

Hiya

You're correct in that it will indeed fall off after 6yrs but as to whether it becomes Statute Barred or not depends whether the DCA actually goes back to court and can prove to a judge why they have failed to enforce it for the past 6 years, it is unlikely a judge will warrant an extension unless they give exceptional circumstances, such as the debtor hid (gone away) or the likes......

It should though, just drop off and then it'll be over with (hopefully)

donnap83

Really? Thats great if thats correct. It's taken a long while to sort my debt out. The perils of first time credit at 18!!

housebuyer_abc

donnap83 wrote: »

Really? Thats great if thats correct. It's taken a long while to sort my debt out. The perils of first time credit at 18!!

Yes - but the fact that they are contacting you now means they are probably getting ready to enforce (just before the 6 years).

donnap83

housebuyer_abc wrote: »

Yes - but the fact that they are contacting you now means they are probably getting ready to enforce (just before the 6 years).

They contacted me a couple of months ago, i said i wasn't aware of the debt and i never heard from them again. The judgement was issued 20/09/04, so does that mean that after 20/09/10, they can't enforce/chase the debt any longer? The last payment was made in Feb 04.

What's my best course of action at this point? The debt is only a few hundred pound, but i could do without it at the moment. I thought i'd just about cleared all my old debts before this one appeared. Taken 5 years to clear £10k of creditcard debits

BigCraigJohn

Keep hush and if something happens deal with it then.

donnap83

BigCraigJohn wrote: »

Keep hush and if something happens deal with it then.

Haha!! That's a good answer~!!

BigCraigJohn

donnap83 wrote: »

Haha!! That's a good answer~!!

Well I was guilty of worrying years ahead of myself for a long time. In time you come to realise there are better ways to spend your time than worrying down the line about what might happen.
You only have to read some of the long threads on here where the original poster was in a very dark place yet months later things had changed hugely.

WRINKLES

BigCraigJohn wrote: »

Keep hush and if something happens deal with it then.

Good advice from BCJ keep your head down .;)