Old CCJ from Egg being chased by Wilkin Chapman

blondel22

Hi everyone and thank you in advance for any advice given, and apologies if there is a similar thread!

Back in 2005 i defaulted on a loan i had with EGG banking which was ccj'd and then secured on my house as a second charge.
In 2006 i had a complete breakdown through debt and divorce problems and left the country for nearly 3 years to work abroad.
The house was repossessed(no shortfall)in 2007 and roughly 70% of the ccj'd second charge paid(found this out via my credit file some years later)
I came back to the UK in 2009 and heard nothing about the balance of this debt until 4 days ago when i got a letter from Wilkin Chapman acting on behalf of Arrow Global saying they had been instructed to pursue me.
They have enclosed details of the original ccj which i have phoned the court about and they say the claim number is correct but the ccj was issued to Egg banking and not anybody else.
Can this be enforced on me by Arrow who presumably bought the debt afterwards even though the ccj was not brought by them?
I can post a copy of the letter from wilkin Chapman if needed.
It feels like a fishing exercise to me but i would be very grateful if anybody has any advice as to how i should respond if at all?
Unfortunately this comes just at the moment when myself and my wife have been accepted in principle for a small mortgage(the lender is happy with the ccj and repossession because of the age of them)and the solicitor has said i must disclose this as it is a material fact.Now i am paranoid we will be declined......

Many thanks

sourcrates

blondel22 wrote: »

Hi everyone and thank you in advance for any advice given, and apologies if there is a similar thread!

Back in 2005 i defaulted on a loan i had with EGG banking which was ccj'd and then secured on my house as a second charge.
In 2006 i had a complete breakdown through debt and divorce problems and left the country for nearly 3 years to work abroad.
The house was repossessed(no shortfall)in 2007 and roughly 70% of the ccj'd second charge paid(found this out via my credit file some years later)
I came back to the UK in 2009 and heard nothing about the balance of this debt until 4 days ago when i got a letter from Wilkin Chapman acting on behalf of Arrow Global saying they had been instructed to pursue me.
They have enclosed details of the original ccj which i have phoned the court about and they say the claim number is correct but the ccj was issued to Egg banking and not anybody else.
Can this be enforced on me by Arrow who presumably bought the debt afterwards even though the ccj was not brought by them?
I can post a copy of the letter from wilkin Chapman if needed.
It feels like a fishing exercise to me but i would be very grateful if anybody has any advice as to how i should respond if at all?
Unfortunately this comes just at the moment when myself and my wife have been accepted in principle for a small mortgage(the lender is happy with the ccj and repossession because of the age of them)and the solicitor has said i must disclose this as it is a material fact.Now i am paranoid we will be declined......

Many thanks

My understanding is that the debt can be sold on, but the payment the new owner asks for, must be in line with the original court judgement.
Unless the new owner goes back to court to obtain a new figure.
The court would say that as they would not necessarily be aware of the account been sold on.

blondel22

Thannk you sourcrates for your reply.I am still looking for a definitive answer but perhaps we will have to chance it with the mortgage application!?!?

blondel22

Anybody else got any advice?