Debt Query

aimex

Hi all,

A friend of mine has been having probs with a debt collection agency. She had a debt about 13 years ago which she beleived she paid off. seems now that she did not and they obtained a CCJ in 95. They are now seeking payment as they have found where she is now living - can they do this? they are talking about enforcing the judgement but 6 years has passed since date of judgment so can they do this?

Thanks guys! what a pickle!

x

immoral_angeluk

Any debt that has not been acknowledged in writing or had any payments within 6 years is statute barred. After this time the debt will fall off her credit file and is unenforceable.

http://www.hmrc.gov.uk/manuals/IHTmanual/IHTM28384.htm

Send this template letter.. http://www.nationaldebtline.co.uk/en...5657_10811.pdf

tallyhoh

Does the 6 year limit apply with a CCJ? I know someone who will be really happy with that:j

RAS

Hi guys

if the CCJ is more than 6 years old and the creditor made no attempt to collect in that period, then the current "CREDITOR" NEEDS TO GO TO COURT TO GET PERMMISSION TO PURSUE THE DEBT.
s
See this thread for information

aimex

Thanks guys.....none of those links are working for me though - they working for anyone else?

xx

aimex

bump ..........

GeorgeUK

There was an extra http// in the link.
http://forums.moneysavingexpert.com/showthread.html?t=920391