CCJ Nearly Six years old now getting contacted

Redalive

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

fatbelly

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

Hi Their is no mention of the ccj 
thanks

sourcrates

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.

Redalive

The timing of it just seemed to much of a conicidence.

Thanks for the advice

Redalive

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

A week, maybe

Nasqueron

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

sourcrates

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. 

Redalive

I had a visit from verify on friday evening.

I said i didnt wish to discuss the matter the conversation was recorded.

She gave me a letter that about contacting them and creating a debt management plan.

The letter said I may have visitis in the future.

They didnt mention the ccj and the letter itself didnt make reference.

Quite nervous about what will happen next. 

sourcrates

As said before, they may not be aware of the CCJ, so take a screen shot of the entry, as they can`t take you to court for the same debt twice, what date does the judgement hit 6 years?

After that your in the clear, nothing will happen, and once the 6 years are up, if they get shirty, you can show them the judgement entry, and that time has run out to enforce it, and you can tell them don`t bother me again, goodbye.