Age old judgement resurfaced

[Astro]

Hello all. It’s been a while but I need some advice again. Cabot were successful in gaining two ccj’s against me in 2008 for quite substantial amounts (£19k &£11k). For whatever reason they chose not to enforce the judgements within the six years. I’ve not moved house or evaded them in any way in this time. They have come out of the woodwork again demanding the full balance on both accounts, what are the chances of them successfully applying to the courts to enable them to enforce the original judgements ten years after they have lapsed? Typically I now own property which they could attempt to place a charging order on

[echat11]

They would have to come up with a very good reason why they haven't gone to the Courts sooner and left it until now, 10 years later.

Clearly, if they try, you can defend their claim.

[Astro]

Thank you for your response. They haven’t implied they will yet but given the amount involved I have a feeling they might. As much as it pains me I might have to offer a full and final settlement to make it all go away. This is the very last of the demons from a very very dark period in my life

[echat11]

The best thing is to wait.

But if you are minded to make a settlement, let it be on your terms, make low offers. The debts were bought for pennies, I'd be looking at no more then 5%, 10%. max. I can't see them going to Court.

https://nationaldebtline.org/fact-sh...f%20the%20debt.

https://nationaldebtline.org/sample-...tlement-offer/

[Astro]

That was my initial thought but I’m already losing sleep over it. In the limited communication I’ve had so far they have agreed that no ‘home visit’ which they originally threatened will happen as they have acknowledged that I have revoked their right of implied access. Let’s see what happens next

[echat11]

Update the thread.

Make sure you only communicate in writing, write 'Without Prejudice' on your communications.

[PallasAthena]

.... and that what you are offering is a 'full and final settlement'.

[echat11]

.... and that what you are offering is a 'full and final settlement'.

Good point.

[Huxie]

EXC ULA I believe ReahaTaul to be a bot, one of several that have been posting to the forum recently. Their posts appear benign but, as atticus pointed out in another thread, may not be entirely accurate. What’s your position regarding them? Do we report them?

[EXC]

EXC ULA I believe ReahaTaul to be a bot, one of several that have been posting to the forum recently. Their posts appear benign but, as atticus pointed out in another thread, may not be entirely accurate. What’s your position regarding them? Do we report them?

Yes please report in the normal way and just put 'bot' rather than 'spam' so we can keeps tabs trends.

[Astro]

Thanks for spotting this chaps. When I received the post notification I thought it was a bit vague when it came to its content. No real update on the actual topic other than Cabot have acknowledged that I only wish to communicate via post.

[ULA]

Hi Huxie we would greatly appreciate you tagging us both as you have done, so that we can look at the post and take appropriate action. Clearly in this case the user has posted the same answer to two threads.

Unfortunately, we know that non experienced users may try to respond on posts with an answer from ChatGPT or a similar AI tool. We need to be vigilant to this, as although it may be useful advise, in some instances it may be incorrect or an entirely inaccurate response based on English and Welsh law. Therefore we would ask our experienced volunteers to correct any inaccuracies to maintain the integrity of the high standard of legal advice the forum is known to provide or report.

Many thanks