Vaughfitz Posts: 48 Forumite
First Anniversary First Post
edited 13 January 2023 at 12:29PM in Debt-free wannabe
I have a CCJ which has been sold on firstly to Cabot and then on to Mortimer Clark and now back to Cabot,  the original date was 2005 i have not made any payments for many years, I know it will never be statute barred, but the fact is the original debt was MBNA, I cannot even remember for what as its been 18 years ago, Cabot have now said that they are sending someone from orbit to try to connect with me, I do not want anyone to call at my door, a third or fourth party! what can I do, the amount is £2,500, could i be taken to court after all this time, and it not being a debt incurred to this company, but one they purchased, and would a court allow this after all this time? plus the cost of taking me to court for the amount that they say is owed
thank you for any advise


  • RAS
    RAS Posts: 32,796 Forumite
    Name Dropper First Anniversary First Post
    If the CCJ has not been enforced since you stopped paying and 6 years have elapsed, they need court permission to collect it now.

    Unless you are feeling generous?
    The person who has not made a mistake, has made nothing
  • fatbelly
    fatbelly Posts: 20,688 Forumite
    Name Dropper First Anniversary First Post Cashback Cashier
    Are they still quoting the court reference? It may have been forgotten by now.

    I'd say either make an offer in full & final settlement or just continue to ignore it.
  • Vaughfitz
    Vaughfitz Posts: 48 Forumite
    First Anniversary First Post
    edited 13 January 2023 at 4:25PM
    No it does not mention ccj just the amount and who it was with, but this has not been paid on for around 6-7 years and when I was it was only £2.50 a month as it was a long time ago
  • sourcrates
    sourcrates Posts: 28,999 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    edited 13 January 2023 at 8:08PM
    You can only have a judgement on any particular debt granted once, you cannot be taken to court again for the same debt.

    As the judgement is more than 6 years old, if they wanted to enforce it now, court permission would be needed, and its very rare for creditors to try to obtain this.

    Mortimer Clarke and Cabot are one and the same company, the former being the legal arm of the latter.

    They are chancing their arm hoping you are going to cave in.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- The "provit letter" is here-
  • Vaughfitz
    thank you so much, It really stresses me that they seem to making an onslaught again, as to Orbit, they have threatened with sending to re connect,  should i just ignore also? many thanks
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