Interim Charging Order Help Required Please

[Quadfather]

Ive received an interim charging order against my property from Arrow Global Via Drydensfairfax, the original debt was with Nat west via capitol one the default was in September 2009 the ccj was issued on the 1st April 2014.
Firstly can they enforce this debt, as i spoke to Nat West in 2016/2017 saying I’d never been informed of the debt as I’d lost everything in the global crisis my house car etc I’d moved abroad for a number of years and on getting myself sorted again had come across this ccj i told them i was happy to pay the balance and for them to erase the ccj due to me not being in the uk they were not helpful so i just left the debt as my credit score was rising nicely. Now its come to this has anyone any advice on what i should do from here?
Many thanks in advance

[MIKE770]

Celestine

[Quadfather]

Gentle bump

[Celestine]

There is not a lot you can do to evade this charging order as the CCJ does not become time barred. If this happens the debt sits secured against your property and is removed when the debt is paid off either via installments or when the property is sold.
Because the CCJ was issued in 2014, it will disappear from your credit file six years after the date of issue. So very soon or has already happened?
Unsure how your credit file could have been 'improving nicely' with this CCJ sitting there? So basically the credit damage is coming to an end but the creditors ability to enforce it via charging order or similar goes on regardless.

[Quadfather]

My credit score is 999 with Experian. With this ccj on and finance on a vehicle.

[Quadfather]

Gentle bump

In a nutshell then your saying to pay the money. I do have the money my issue has always been if they serve the ccj on a property you haven’t owned since 2008 in 2014 and the debt only arose in 2009 its a bit out of order.

[Celestine]

We see many victims caught in traps like this due to the weird fact that CCJ enforceability never technically expires in the way other contracts expire under the Limitation Act.
Also, you discovered that paying the debt off did not remove the CCJ - which is quite perverse., but again a common problem
You could contest the charging order, but the court would want to see the debt cleared somehow so would be unlikely to disagree, because with judgment in place, they cannot consider the rights and wrongs of the debt itself. I absolutely agree its a frustrating situation.