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CCJ Expiry
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Mairsy36
Posts: 1 Newbie
Looking for some advice. I have been living abroad and returned to the UK to find I had a CCJ against my name for a debt I had forgotten to pay before I left. Since my return it has passed the 6 year period for it to stay on my credit file. The debt has been increased by a substantial amount due to adding fees etc.
Is the debt still legally enforceable even though it's passed the 6 year period. I.e just because the CCJ has expired will High Court bailiffs still turn up at my door , and if so do they still have the same rights of entry etc if the CCJ has expired?
Is the debt still legally enforceable even though it's passed the 6 year period. I.e just because the CCJ has expired will High Court bailiffs still turn up at my door , and if so do they still have the same rights of entry etc if the CCJ has expired?
0
Comments
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CCJs do not expire.
They stay on your credit report for 6 years from the date it was obtained and enforcement action can be taken, after the 6 years the claimant has to obtain permission from the court to enforce it.Mortgage started 2020, aiming to clear 31/12/2029.0 -
They would need to go back to the court and ask for permission to enforce the debt.
Have they taken any enforcement action (bailiffs etc) already?0
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