Statute barred and going to court...

LostMeWay

OK so a quick update if I may...

I told the solicitor that all I could offer the DCA was £35 a month starting with immediate effect.

This proposal was accepted on the conditions I accept liability and let the court know of my intentions. The court would then issue a decree but it'd be suspended because there's a payment plan in place. However it would still affect my credit rating.

So what's my best approach now for making a full and final offer? Surely they'd rather have a lump sum fast as opposed to £35 a month for 7 years?

fatbelly

Didn't realise you were in Scotland so not sure if previous advice re Tomlin orders applies.

If you are accepting that you will have a decree, then make a few payments then try for settlement using the relevant national debtline letter.

LostMeWay

Hi Fatbelly

I'm actually in Northern Ireland.

I can raise funds. But I guess I just don't wanna pay anything more than I have to.

Aprilc2002

Hi. I could really do with some advice. In 2015 I received a CCJ from Northampton County court for a debt from 2006. This debt was from Lowell and was for £450. At the time I did not realise that this
was statue barred as I have had no contact with them in 9 years.

During the last year Myself and my partner have been saving for a mortgage and have now raised a
good deposit but we can not get a mortgage due to my CCJ. In September 2017 I paid off my CCJ hoping that this would support me in getting a mortgage. This has proven to be unsuccessful as I have been informed by several mortgage providers that the CCJ needs to be satisfied by at least a year. After doing some research this evening I have now realised that the CCJ was statue barred and was wondering if there is anything I can do to get it set aside?

I would really appreciate any advice on this