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CCJ Nearly Six years old now getting contacted

I defaulted on a debit in 2013 due to marrige brekdown the debit was sold several times,  and a ccj was placed on it in summer 2019, I moved house and went to my old house to collect post to find I now had a ccj.

I didn't hear anything more so I did forget about it.  I have now received a letter from Irden Capitol Services who have purchased the debit and I will be receving a visit in 7 days from the date of the letter from Verify.

This has thrown me somewhat, will Verify visit?  will ballifs be visiting even though I have heard nothing in 5 + years? 

Will they extend the CCJ?

Should I write a letter to them asking for them to prove the debt?

Thanks for all help and thoughts

Comments

  • fatbelly
    fatbelly Posts: 22,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Firstly, Verify are not bailiffs and so have no rights to do anything. If they turn up and start talking, just say 'no thanks' and shut the door. If they do not go away, phone the police.

    I doubt they will be any problem. They will just collect their fee for a visit.

    Now, does the letter from Capitol mention a ccj? It is quite possible they have bought the debt without knowing.

    If they had wanted to enforce the debt they would be trying bailiffs. If it started as a Consumer Credit debt, they have to use the court bailiff.

    I would not put anything in writing but post here again when you get their next letter.
  • Redalive
    Redalive Posts: 4 Newbie
    First Post
    Hi Their is no mention of the ccj 
    thanks
  • sourcrates
    sourcrates Posts: 31,303 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    They are just a debt collection company, nothing more, not bailiffs.

    Treat as you would any other unwanted caller, they have no more rights than you or I do, so nothing to worry about.

    As fatbelly said, they buy these accounts in bulk, and may not know about the CCJ, so don`t give them information they may not have, the judgement will become unenforceable this summer (6 years) anyway.
    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 forumteam@moneysavingexpert.com. 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- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Redalive
    Redalive Posts: 4 Newbie
    First Post
    The timing of it just seemed to much of a conicidence.

    Thanks for the advice
  • Redalive
    Redalive Posts: 4 Newbie
    First Post
    If i was to get a visit from verify, how long after the letter saying they intended to visit would I expect to see them?
    I realise this is a bit of a gues.
  • fatbelly
    fatbelly Posts: 22,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    A week, maybe
  • Nasqueron
    Nasqueron Posts: 10,586 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    fatbelly said:
    Firstly, Verify are not bailiffs and so have no rights to do anything. If they turn up and start talking, just say 'no thanks' and shut the door. If they do not go away, phone the police.

    I doubt they will be any problem. They will just collect their fee for a visit.

    Now, does the letter from Capitol mention a ccj? It is quite possible they have bought the debt without knowing.

    If they had wanted to enforce the debt they would be trying bailiffs. If it started as a Consumer Credit debt, they have to use the court bailiff.

    I would not put anything in writing but post here again when you get their next letter.
    I would extend the excellent advice here to add: do not open the door just in case, talk through a window or letter box, ensure all doors are locked so they cannot make "peaceful" entry regardless of whether they are allowed to.

    A CCJ remains valid even after 6 years but they have to apply to courts to enforce it again which is usually more cost than it's worth. Most likely they have bought the debt and can see the 6 year clock runs out soon so are chancing their arm that some will pay up

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • sourcrates
    sourcrates Posts: 31,303 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Nasqueron said:
    fatbelly said:
    Firstly, Verify are not bailiffs and so have no rights to do anything. If they turn up and start talking, just say 'no thanks' and shut the door. If they do not go away, phone the police.

    I doubt they will be any problem. They will just collect their fee for a visit.

    Now, does the letter from Capitol mention a ccj? It is quite possible they have bought the debt without knowing.

    If they had wanted to enforce the debt they would be trying bailiffs. If it started as a Consumer Credit debt, they have to use the court bailiff.

    I would not put anything in writing but post here again when you get their next letter.
    I would extend the excellent advice here to add: do not open the door just in case, talk through a window or letter box, ensure all doors are locked so they cannot make "peaceful" entry regardless of whether they are allowed to.

    A CCJ remains valid even after 6 years but they have to apply to courts to enforce it again which is usually more cost than it's worth. Most likely they have bought the debt and can see the 6 year clock runs out soon so are chancing their arm that some will pay up
    These people are not bailiffs, just debt collectors, they have no rights whatsoever, if they come into your home uninvited, that`s trespass, and you call the Police.

    Section 24 of the limitation act gives lenders 6 years to enforce judgements, after that they become unenforceable.

    Any extension to enforcement must be applied for before the initial 6 years has run out, and the limit can only be extended by a pre-determined amount, agreed by the court, once the judgement is over 6 years old, time runs out to do anything with it, although creditors would have  you believe otherwise. 
    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 forumteam@moneysavingexpert.com. 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- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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