Cabot-mortimer clark

mummy_cas

Hi is it possible to ask if you have a county court judgement from 2016 but not showing on my credit file 1) is it genuine 2) is it still liable any help please

mummy_cas

Sorry it is from Mortimer clarke solicitors - Cabot

MEM62

A judgement from 2016 will no longer be on your credit record. In addition, you can pretty much be assured that it is unenforceable.

RAS

CCJs drop off your credit record after 6 years regardless, so this is long gone.

Creditors have 6 years to enforce a CCJ, beyond which they need to get special permission from a court. In practice that so rarely/ never happens that the risk is often described as theoretical.

If you were paying it off and stopped within the last 6 years, you need more advice. Can you check that on bank records?

sourcrates

This is covered under section 24, limitation act, 1980.

If you are being chased for this debt, just refer them to the above legislation, and thank them for their interest.

fatbelly

It could be genuine. It is up to them to prove it. You could be liable but it would require specific permission from the court to enforce it. They are unlikely to get that