ccj 2001????

frozenjs

i have recently been receiving letters from robinson way for a debt I do not no of. I wrote back asking for proof they have sent a letter stating it is a county court judgment issued in may 2001 I do not remember this at all please help with advice as what to do now ???????

sourcrates

frozenjs wrote: »

i have recently been receiving letters from robinson way for a debt I do not no of. I wrote back asking for proof they have sent a letter stating it is a county court judgment issued in may 2001 I do not remember this at all please help with advice as what to do now ???????

Hi,
County court judgments do not get statute barred, however, If it was issued in 2001, and they have taken no action, then they would need to go back to court in order to enforce it.

In all likelihood a judge would take the view that 14 years was long enough to enforce there rights, and they have failed to do so, and most likely throw out the case.

I would suggest sending a letter, to that effect, to them, and see how they respond.

frozenjs

thanks for advice would you have a template for a letter???


and also what is DMP (3rd party)???


they say its for £1940.

Marktheshark

Debt is denied and the CCJ is out of enforcement time in any case if it were mine, which I do not think it is is all you need to tell them.

sourcrates

frozenjs wrote: »

thanks for advice would you have a template for a letter???


and also what is DMP (3rd party)???


they say its for £1940.

Its a common sense letter really, something along the lines of :


Dear Robbers way,

Re Acc No : xxxxxxxxx

Thank you for the information regarding the CCJ registered in 2001.
I would regard this judgement as been out of time, I take the view that 14 years is sufficient time in which to exercise your rights, and you have failed to do so.

I also believe a court would side with my view on this, therefore your claim is denied.

I await your conformation this matter is now closed.

yours sincerely


That should be sufficient, also a DMP is a debt management plan.

frozenjs

ok


So draft a letter for non acknowledgement of debt and send this???

sourcrates

frozenjs wrote: »

ok


So draft a letter for non acknowledgement of debt and send this???

Yes, see how they respond, they will know they are chancing there arm here, due to the passage of time, they will be banking on the fact you are unaware of the time limits involved, and pay up.

frozenjs

Thanks for all your help

sourcrates

frozenjs wrote: »

Thanks for all your help

No problem, let us know how you get on.

frozenjs

will do, have drafted the letter already.


Thanks again

fatbelly

Some info from National Debtline here

https://forums.moneysavingexpert.com/discussion/comment/63806369#Comment_63806369