Old car loan

robbo16

Hi everyone
Hope this post is in the right place
Back in 2012 I had a car loan 2 years later lost my job car repossed
Leaving balance of 6000 a ccj was placed on credit file (I buried my head in the sand and never dealt with it)
Roll forward to 2020 ccj removed from credit file 
Now the company are chasing me
My question is now its been over 6 years and ccj removed am I still obliged to pay the debt and can the company take any action against me? 
I have made no contact with them for 7 years now
Thanks for any advise in advance 

[Deleted User]

The debt is still enforceable as they have a CCJ against you, so cannot ever be statute barred. 

They may need to return to court if they have not taken any action since the CCJ was granted, but it will probably be worth their while to do so,

molerat

The debt still exists as a CCJ never expires but at the moment they have no powers to enforce it apart from sending annoying letters or toothless debt collectors.  If they want to enforce the debt they will have to go back to the court and apply for a warrant of excution, any previous warrants expired after 12 months, and the court would seriously question why action to enforce has not been taken in the previous 6 years.