CCJ after a default. Continuing harm.

[Rico]

Hi Folks,

Is it OK for a debt purchaser to instigate a CCJ on a debt that they've bought while it was in default status, once the default period of 6 years has elapsed, thereby annihilating creditworthiness for a further 6 years? ( Assumes a CCJ willl drop off after 6 years)


Background:

Still reeling from injustice, the hurt continues:

One of my creditors (that allowed me to pay lawyers in the first place!) slapped a default on me after they doubled interest rates at the start of the recession 2009 ish.

Another lot bought the debt against my will and have been bothering us ever since. I am reluctant to acknowledge them for fear of them sending debt collectors once I've "answered their security questions" (information they shouldn't have in the first place!).

I've been continuing to pay the original creditor minimum payments while I struggle to make a plan to encourage HSBC and Dixons to put things right after Supreme Court failed to do so.. (Preparing for Queens Bench appearance). As I understand things, these get paid to the debt purchaser.

We remain unable to buy a suitable family home since 2003.

Cheers,

Richard.

[Amethyst]

I've voted Yes, a debt purchaser can obtain a CCJ if you fail to defend the claim on the grounds that the debt is statute barred.

What's the actual situation you're in ? ie.

I've been continuing to pay the original creditor minimum payments

if those were started before 6 years from default then it wouldn't be statute barred.

I didn't realise you were pushing forward with the wrongful default case.

[Rico]

Unbelievably, I'm facing a further 6 years of credit annihilation, all stemming from the PC World fraud.

Effectively then, folk can have their creditworthiness annihilated for 12 years+ for each debt, fraudulent or otherwise. 6 years default + 6 years CCJ.

I've not read this anywhere. Nor have I heard it discussed, despite being immersed in this hell for a few decades and counting.

I've refused to recognise the debt collectors as I was quite comfortable dealing with the original creditors. It seems that due to the length of time the litigation dragged out and then not being reimbursed, they became frustrated and passed my details on.

I'm not keen on creditors passing on details just because they can. I hadn't agreed to it but I suppose it will be somewhere in the small print that they're allowed to do it.

It's a joke when they phone and ask for security questions when I'm feeling that the "security" has long been breached by the original creditor passing them my details.

So, another several years in financial jail await us, even if I can persuade the police to prosecute the original fraudster and/or be awarded compensation via the Queen's bench. That'll take us into a third decade.

Technically, earlier case ended in Edinburgh where judges acted dishonestly and the rest of the judiciary simply supported them. There seem to be no plans to address dishonesty within the judiciary by any of the political parties.

I'm trying the Royal Courts hoping to find a better judge. The costs in all this has been a real shock though and doesn't make it easy to even lodge a claim.

Thanks for voting.

Richard.

[Rico]

Hi Amethyst,

Perhaps this thread could be moved to a more useful forum?

I've been afforded an opportunity to have the CCJ/Decree set aside today after a reponing note was accepted (just)

Arrow had told the court that a default had been issued in 2019 when, in reality, the original default issued in 2010 had expired. This was deemed a defence against a decree but I'm unsure how to word my pleas in law.

Reponing note, false default statement and pleas by Arrow attached.

Arrows pleas seem to serve no purpose but to try and trash my creditworthiness while I continue to find a way to proper compensation.

Debt purchaser pleas.JPG
Default lies.JPG
CCJ Reponing Note.docx

Cheers,

Richard