bw legal ccj northampton 4 years ago

[ladybug]

HI All,
Some advice please...I have a ccj that is dated 2014 with Northampton, from BW Legal that was for a credit card with capital one. I had spoken to BW legal in or around 2013 to tell them I knew nothing about this debt and asked them to stop contacting me. The next thing I got was the CCJ, which (probably wrongly) I never did anything with. I have not been chased or heard anything about this since then. I never had anything on credit so the ccj sitting on my credit file never really effected me.
Recently, I sold my house and moved to rentals, now I am looking to move to another rental, I have been rejected due to this CCJ.
So on reading forums, I found I should send BW legal a 'prove it' letter. My question is, is it too late to do this after it is has gone to CCJ?
Also, I am considering the statute barred route, I vaguely remember speaking to bw legal (and previously lowells) on a few occasions over a long period of time to tell them I knew nothing of this debt, way before it went to CCJ, I have read that statute barred date goes from the default date, but the court told me when I rang them that it goes from the date the ccj was entered, anyone know which one is correct please?
Thanks,

[jaguarsuk]

HI All,
Some advice please...I have a ccj that is dated 2014 with Northampton, from BW Legal that was for a credit card with capital one. I had spoken to BW legal in or around 2013 to tell them I knew nothing about this debt and asked them to stop contacting me. The next thing I got was the CCJ, which (probably wrongly) I never did anything with. I have not been chased or heard anything about this since then. I never had anything on credit so the ccj sitting on my credit file never really effected me.
Recently, I sold my house and moved to rentals, now I am looking to move to another rental, I have been rejected due to this CCJ.
So on reading forums, I found I should send BW legal a 'prove it' letter. My question is, is it too late to do this after it is has gone to CCJ?
Also, I am considering the statute barred route, I vaguely remember speaking to bw legal (and previously lowells) on a few occasions over a long period of time to tell them I knew nothing of this debt, way before it went to CCJ, I have read that statute barred date goes from the default date, but the court told me when I rang them that it goes from the date the ccj was entered, anyone know which one is correct please?
Thanks,

They will reject the CPR Part 31.14 letter if that is the "prove it" letter you are referring to as they already have a judgement against you.

The Statute Barred clock runs from the date of default or the date of the last payment made, whichever is the latter and stops on the filing of a claim form. If the date of the claim form falls within 6 years from the date of default or the date of the last payment made then it is not statute barred. The fact we are now 4 years on is irrelevant.

When did you contact the court?

The only way to deal with this is to make an application to set the judgement aside and then defend the claim. However this must be done promptly after you are aware of the CCJ, but the court doesn't have to know you have known for years unless you called the court ages ago and then they already know.

Did you receive the claim form at the time? Why didn't you do anything about it then?