Seventeen year old Cabot CCJ’s

[Astro]

I find myself in a situation. I picked up two ccj’s around seventeen years ago with a value of around 30k. No enforcement actions were taken in the first six years and I’ve lived in the same house for the last fourteen years. The claimant has known my address for all of this time. They even went so far as to attempt to pursue a third claim against me in 2015 (they were forced to discontinue as it was brought out of time). And now they are chasing the full amount again following a review of my credit status which ‘suggests my financial situation may have changed’. After months of threatening letters I’ve logged a harassment claim with the FOS but am expecting them to fill in an N244 requesting leave to enforce the original judgments. Is there a way I can prevent this?

[Astro]

Just to add. Ive been on the electoral roll at my current address for the whole time I’ve lived here. I’m not even sure what historical information they hold about me. I made a SAR in February which they acknowledged but failed to comply with. I believe, basically they’ve seen a mortgage on my credit file and they are lining up to come for my home (which I’d rented from the local housing association for the last thirteen years). Grounds for a ‘substantial prejudice’ defence?

[echat11]

They would need a very good reason why they haven't gone for the CCJ in the years that have passed. The likelihood of them getting a CCJ is very, very remote. Again you'll have the opportunity to defend their claim. You need to see what they do, before you do anything.

[Astro]

They have the ccj’s from way, way back. They just chose not to enforce them. The thing that concerns me is that they can make an application via an N244 form to enforce these judgements and I may not even be notified as they can tick a box to make the application without a hearing

[echat11]

They have the ccj’s from way, way back. They just chose not to enforce them. The thing that concerns me is that they can make an application via an N244 form to enforce these judgements and I may not even be notified as they can tick a box to make the application without a hearing

They can do that, but it doesn't mean there won't be a Hearing. The Court should notify you that an Application has been made.

They will have to pay a fee for the Application. Then you can decide how to proceed.