CCJs after 6 years. Need help.

Skleppy

Hi,

I have 2 CCJs from almost 6 years ago. The debt has been repaid but not the legal fees. Because it was so long ago, I don't know which solicitors hold the accounts now to be able to pay them. I know that debt gets sold on and that has happened several times with these 2 accounts. I have spoken to the County Court and they were able to give me the names of the original solicitors but on speaking to them, they don't seem to have a record of the debts any more and who they sold it on to. How can I pay these legal fees? Also, what happens to the CCJ and remaining debt (i.e. the legal fees) after 6 years? Thanks for any help!

Marktheshark

A ccj is between two parties only.

sourcrates

You would only be liable for the judgement balance via the original CCJ.

After 6 years they would have to take you to court again for the legal fees.

Are you been actively chased for these debts ?

National_Debtline

Hi Skleppy,


The legal fees realistically form part of the judgement, so you would be better to simply think of it as money outstanding on a CCJ. The creditor doesn't have to sue you again for these fees, but I think sourcrates is trying to say that if the judgement is more than 6 years old and no enforcement has taken place in the 6 years since then the creditor will need special permission from the court to enforce the outstanding balance.


The judgement will come off your file 6 years from the date of judgement whether it is paid or not. I would suggest a letter to the original claimant (sometimes you can get a more positive response to a letter), asking formally for details of who the debt was sold to from them. Then follow the trail until you get to the correct collector.


Laura
@natdebtline