We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

CCJ received on statute barred debt

2»

Comments

  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    I assume that you had not received a summons? If this is the case, and you were unable to submit a defence (the fact that the 'alleged debt' was statute barred is the only defence that you need to submit) then you will need to ask to have the judgement set aside, using the form that penguin linked to.
    But do it right away.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • Thanks for all the advice so far, it's been a great help. I think I might need a little more though after this morning's update:

    I've just called my local court, who then told me to ring Northampton court as they issued it (I've never lived in or been anywhere near Northampton, but never mind, I'm sure there's reasons for this).

    It appears the CCJ was registered on 18th January 2001 at an address that I may or may not have lived at at the time (I can't remember exactly when I moved, I'll need to look that up). Either way I can't remember getting a summons or anything.

    My question now though is: Can this judgement still be enforced? We're just over 7 years down the line from when it was issued and my understanding was that they only got 6 years to enforce CCJs. Can I tell them to clear off? And who should I contact - Should I still be doing form N244 or is it best to contact the Student Loans company direct? Or should I ring my local court back and advise them to stop? And what should I do with this application for attachment of earnings letter?

    Thanks in advance.
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    The claimants can still enforce the judgment after 6 years but they have to make an application to the court to show why they havent enforced it yet. So it is possible that they have done this and got permission from the judge to issue the attachment. x x
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.5K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.5K Work, Benefits & Business
  • 601.4K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.