Resolvecall / Robinson Way & very old CCJ & home visit to old address

Bluetonic123

I got into a massive pickle with debt between 2005 and 2010. This was loans, overdrafts and payday loans. I have since had refunds from some of the payday loan companies and now have good credit rating.

I have credit card and a loan which I am up to date with and am hoping to get a mortgage in 2-3 years but an old debt has come to bite me in the bum and I would like some advice.

I had a CCJ relating to a student overdraft in around 2008. I buried my head in the sand and moved a lot and never paid it (I know it was wrong) and it has now dropped off my credit file.

had a couple of letters from Robinson Way for a debt which I assumed was statute barred but thinking about it could be the old CCJ. I moved house a couple of months ago and these went to my old address. I know the tenant that moved into my old address and have been told that some credit agency came looking for me. They didn't leave a letter or say who they were from but I did get one from ResolveCall acting for Robinson Way threatening this (I only saw this a couple of days ago as I collected some post) so I assume it was them.

If this was the original creditor I would be happy to come to an arrangement for the full amount. However I am loath to pay these bottom-feeders if I don't have to. Obviously it is deeply unfair of me to just leave it as I don;t want them harassing the new tenant or the landlord so leaving it is not an option and I will pay them rather than subject them to DCAs calling.

I posted on the Consumer Action Forum and was advised that CCJs were not set aside but that they would need to get permission from the court to enforce it.

They recommended updating my address, ignoring further letters and ignoring people coming over. For various reasons I don't want them to visit my house. So I think my best bet is to offer about 20-30% to make them go away, inviting them to go to court to gain permission if they want.

Does anyone have any experience of anything like this? Does anyone have any suggestions for wording?

sourcrates

Hi,

Yes, if the judgement is older than 6 years, then the creditor will have to go back to court to obtain permission to further enforce it, this may, or may not be granted, it depends on a number of factors, usually the creditor won`t bother, as they must pay a fee, so adding to the debt which they have thus far failed to collect on, most creditors are reluctant to do this for obvious reasons.

In order to communicate with them, you must update your address, yes, I know, its catch 22, but otherwise it is stalemate, and won`t ever be resolved.

Once thats done, you could adapt the settlement letter from National Debtline, available here :

https://www.nationaldebtline.org/EW/sampleletters/Pages/Full-and-final-settlement-offers-%28sole-name%29.aspx


to reflect the fact that you are aware that they would need permision of the court to further enforce this old judgement, so would they concide taking x amount instead.

Bluetonic123

Thank you so much, I will use this

Bluetonic123

I've been thinking and I might send the statute barred letter first, just in case this is a different old debt. I think that way the onus is on them to provide proof.