A debt over 10 years old

Cicely41

Hi all.

I would like to ask a question, do you have to pay a debt which is over 10 years old?
I have received a warrant of control.

fatbelly

What you're asking is whether you have grounds for set-aside of the underlying ccj.

I'm assuming this is a county court credit debt and not some sort of criminal fine or a magistrates court issue like council tax or tv licence arrears

The relevant questions would be

When did they obtain the ccj?
Was there a period of six years before that when you did not acknowledge the debt by payment or in writing?

Cicely41

It was for a credit card.
CCJ was in December.
Its not been acknowledged in over 10 years.

fatbelly

Then you have a 'defence with a prospect of success'

https://nationaldebtline.org/fact-sheet-library/setting-aside-a-ccj-ew/

sourcrates

Cicely41 said:

It was for a credit card.
CCJ was in December.
Its not been acknowledged in over 10 years.

Assuming you didn`t receive the pre action letter and the court papers, you would likely have grounds for a set aside.

Have you moved since the card was issued, could the paperwork have gone to an old address ?

Set aside info here -

LegalBeagles

Cicely41

I am still at the same address.
I dont know what to do. I cant afford to pay it.

fatbelly

You apply for set-aside.

You've been pointed to the National Debtline and Legal Beagles info.

If you have low income you get remission of the fee.

Both places can give support. ND by webchat/phone and LB is a forum like this one