I got a CCJ 6 years ago for a bad debt and never satisfied it in full? Can they still get me?

Question

I had a bad debt (I had repaid the loan 3 times over but they kept wanting more and I was skint)b and received a CCJ to pay it back. I paid some but never finished hence the judgement was never satisfied. 6 years later a debt recovery agency have brought the debt and are chasing me threatening court again.

Is there a limitation period on an unsatisfied judgement? I have a niggling thought that I cannot be chased nor taken to court again as nothing has been done for over 3 years, am I right?

Answer 1

i think it is spent after six clear years with no contact.

Answer 2

Have you considered contacting experian or equifax? To actually see what is stored on your credit record. Is the debt paid off? If not, i know from my own experience that HMRC also offer a repayment service. They are hard nosed, but I repaid £1700 over several months at £70 per month, when they declined to alter my tax code. There are companies out there that offer 'credit cleaning' services, but in my experience they were a rip off, as everything you need can be easily done yourself. You can contact the companies that actually put the CCJ on file and if they agree that it was settled, send confirmation to the credit reference agency, and they will remove it from your file. As an aside, did you not receive a notice of default before the CCJ was granted? If not, then the company acted improperly and this could help in its removal. That will do for now, but if you add more details, i may be able to help you further. Also consider contacting Citizens Advice, for further assistance. BTW Experian offer a free 30 day trial.

Answer 3

County Court Judgement
If the creditor has previously taken you to court and you have received a County Court Judgement, you will be unable to use the Limitations Act 1980 to dispute the debt. If the judgement is over 6 years old the creditor may need the permission of the Court to enforce the debt.

Answer 4

a debt is spent after 6 years with no contact, however - this is a CCJ. ego it is no longer a matter of a debt, it is a court order and by not complying with it you are breaking the law and could (if the court saw fit) spend time inside for contempt of court. So if I was you I wouldnt try and hide behind some "is it spent" clause and pay it off pronto

Answer 5

Sorry to be the bearer of bad news but there is no statute of limitation on a CCJ. however, if the debt arose out of an unfair contract, go see your local Citizens advice bureau and get some advice about getting the case reopened.

Answer 6

oh yes.. debts never run out. time for bankruptcy lawyer.

get the yellow pages or go online to see who's in your area that can help you.

forget agencies or consolidations.. they're just slowing the process down.

a good bankruptcy laywer can give you options or you can just pull a chapter 7 on everyone and start out fresh.

and don't listen to those folks who tell you otherwise.. i filed 5 years ago and it was the best damned thing i ever did.

:D

good luck, no more fooling around get a good bankruptcy laywer.. they're cheap.. they take installments and they'll shut up those hummers in no time flat.

and they'll tell you how to restart your credit if you so want to.

Answer 7

I too thought there was a time limit - I thought it was 5 years for some reason.
I think maybe the time frame would start from when you made your last payment.

Answer 8

i think the debt has to be 10 yrs old but be carefull 'cause a credit check will put up flags if your nor successful. try citizens advice, its free

Answer 9

as i understand it, they can unless you declare yourself bankrupt. Ask the Citizen's advice people for information. Your not alone in that situation.

The answer of Bomb the bank comes from a guy who is breastfed by his dad.

Answer 10

Sadly they can, I think the only way around it is to file for bankruptcy.