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Default in 2012...how likely CCJ?
Leon_82
Posts: 41 Forumite
Hi.
I had a loan in default for around £6K default in 2012.
Long story short I took the money to go travelling with when was much younger.
However, I'm now willing to face up to it.
However, I've not heard from the bank since 2012 as my address was overseas.
Granted this was 5 years ago and I right to presume they won't be in contact with me again given so was long ago and I'd have to make a move?
Thanks.
I had a loan in default for around £6K default in 2012.
Long story short I took the money to go travelling with when was much younger.
However, I'm now willing to face up to it.
However, I've not heard from the bank since 2012 as my address was overseas.
Granted this was 5 years ago and I right to presume they won't be in contact with me again given so was long ago and I'd have to make a move?
Thanks.
0
Comments
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You may already have a CCJ, have you checked your credit file ?
court papers are sent to the last known address.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Checked. Just says default on credit file...0
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Checked. Just says default on credit file...
So far so good then, it's usually in the last 12 months before a debt becomes statute barred that legal action is most likely.
I wouldn't like to advise your next move to be honest, if you want to pay it, then get in touch with them.
Otherwise you may make the SB clock, you may not.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thing was my last address with them was based in. Spain anyhow... that address is also showing under that default on my credit file.
Possibly would the fact they think I am in Spain would of stopped them bothering?0 -
I'll stick my neck out and say leave it alone.
Are you in Scotland by any chance?
When do you think you made the last payment to this? The default generally lags behind the last payment date by 3-6 months but can be much longer.
Even under England/Wales law, a last payment in March 2011 would mean it's statute barred already.0 -
About maybe march 2012 I paid last....0
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About maybe march 2012 I paid last....
You have another year of uncertainty then !!
Unless your north of the border ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
England....however would the overseas adress of made a difference? I was actually living in Spain.0
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England....however would the overseas adress of made a difference? I was actually living in Spain.
It may if put them off yes.
It's anyone's guess really.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
The prospect of enforcing a debt abroad could make them think twice about whether it’s worth the extra hassle and the potential financial outlay.
Did you update your credit file with your current address in England when you checked it? That could link your file to where you are now if so.
James
@natdeblineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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