Cabot debt collectors

[Mutznutz30]

I hope this is done correctly, and hello and thank you to anyone that may help me.


I recently received a letter from calbot regarding a loan I took out in 2002. It was with black horse and I know I missed payments and it was passed to a debt collector. At the time I had two loans with them which due to financial problems both were in arrears. A few years later a friend took out a loan for me and I believed I paid off all my outstanding debts.
now this letter is for one of the loans, I do remember it it was for £6000 but I had been paying it for a while before problems, but the outstanding amount says just over £5000?! Now I’m guessing it’s fees? But it also says i had a CCJ taken out in 2003? Now I have read in places if a debt has been left for so long it can be cleared? But not sure as apparently a CCJ was served in 2003?
Im not in a position at the moment to pay this debt as I’m currently on a low income but didn’t want to commit to a payment plan if it has passed the time for a debt agency to recover. It’s been 13years since the CCJ and I didn’t know I still had the debt. Can anyone maybe guide me as to my options?

many thanks

[Mutznutz30]

Sorry CCJ was dated 2006

[Debt Camel]

A CCJ that is more than 6 years old can't be enforced without special permission from the court. That is very rare. See https://www.nationaldebtline.org/EW/...rred-debt.aspx and contact National Debtline for advice.

[pt2537]

If its been assigned they would also have to apply to substitute the judgment creditor.

[Debt Camel]

If it's been assigned they would also have to apply to substitute the judgment creditor.

that's interesting. But presumably if they had failed to do this they could then do it at any time?

[pt2537]

that's interesting. But presumably if they had failed to do this they could then do it at any time?

indeed it wouldnt be a problem to do, but one that they would need to do anyway, otherwise how do they enforce a court order without their name on it