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Advice to settle old CCJ with warrant of control from very old debt

frangipan23657
frangipan23657 Posts: 20 Forumite
Fifth Anniversary 10 Posts Combo Breaker
edited 16 May 2016 at 12:44PM in Credit file & ratings
**update I reposted this with some edits in Debtfree Wannabe**

I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013!!

This is total news to me as I moved from my last address in 2014, but don't recall ever seeing a CCJ come in before then, and I certainly would not have ignored it. Further investigation shows that it was lodged by Bryan Carter Solictors on behalf of Lowell Portfolio, for a small cc debt from way back in 2001. I was certain this must have fallen under statute barred status by then, but it is from so long ago and I have no lasting documentation on it to go back to. And in the jumble of the last few years, I cannot really remember if it should be barred or not!

I looked up Bryan Carter Solicitors to find out more today and to look into ways to try to settle this and get more info, but noticed that they closed in March, and the site now links to Fredpay?!

Worth noting that this correspondence went to my old address and not my current one, so they could have sent letters since but I have not seen them, even though I had mail forwarding on my address for quite a while.

I am not sure what I should now do - the debt last quoted by BCS included court fees, but my credit report shows the amount owing is a bit less. The original debt was only half of this (£250).

My question is, how should I move ahead with trying to get this CCJ removed / settled? Is there a way to find out if the debt was statue barred? If not, should I contact the court or FredPay? I can't afford to settle the amount in full right now as I am on maternity leave, so I was wondering if I could (or should) just offer a Full and Final settlement at this point for around the original debt, but if I do this, to whom would I offer it and how, and would that clear the CCJ or is it too far gone with notice of issue of warrant already having been given to me. I have no idea if the bailiffs turned up at my old address or not as it was years ago!

Any advice really appreciated! This is the only thing affecting my credit rating now, and I really want to sort it out. The thought of bailiffs and things is really really scary.
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