CCJ Advice

Robcooke2004

I received a ccj today regarding a debt from over 6 years ago. It's probably about 8 years old. Would they be able to enforce this due to the age of the debt. I have been told by people that once it is over 6 years old. They're is nothing that can be done about it. How would I go about getting this point across if that advice is true??

Arleen

They have six years from last debt acknowledgement date to start proceedings to get a CCJ. After that, they have six years to enforce said CCJ (can be more if the court will allow it).

Robcooke2004

So where would I stand if I am only hearing about the ccj today?

sourcrates

Once legal action has been taken the Limitations act no longer applies, unless the debt was statute barred before legal action commenced.

If that was the case, the only thing you can do now is to apply to the court to set the judgement aside.

This has a cost unfortunately of £255.00, although you may qualify for fee remission if you are on a low income.

Search "judgement set aside" for more info.

Or look on the websites in my signiture.

January2015

It's not how old the debt is - it's when you last acknowledged it, e.g. made payment, wrote to them about it, etc. etc.

This page on debtcamel gives more information on this.