Historical CCJ's

[cotswolds]

Looking for a possible historical CCJ from maybe 17 years ago...I did email Registry Trust but they say they only keep records for 6 years and couldn't help me.

I'm aware that an unsecured debt can not be Statute Barred if a CCJ was issued at some time. There is nothing on my Experian report.

Any ideas?

[PallasAthena]

Your question has been asked before and as far as I have ever been able to discover there is no public record kept anywhere of CCJs after 6 years, whether they have been satisfied or not. It disapperas from Registry Trust and from the credit reference agancies. Which is mainly a benefit to you as any third party wanting to search your credit history won't find anything and it will no longer affect your credit score.

Although old CCJs don't become SB'd they cannot be enforced after 6 years years unless the creditor goes back to court to get a judge's permission. They would have to convince a judge that there was a good reason why it hadn't been enforced in the first 6 years, and that is difficult to do. A debt buyer would have to show why the original creditor didn't enforce the CCJ - not an easy thing to prove.

And if a creditor did go court and ask permission to enforce a CCJ older than 6 years they would first have to produce the original CCJ document to show that the debt existed. When old debts are sold the debt buyer often cannot produce the original CCJ so if they did want to try and enforce it their attempt would fail at the first hurdle.

[JK2054]

it wont help much, but the answer is pretty simple: Without a claim number you cant, with a claim number you can, but its a long process and rather expensive in the end.

if its been 17 years, i'd say rest easy gotta be honest.