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expired ccj that i am being chased for
Hi everyone,
I had a ccj registered in June 2010 which has now expired. It was apparently from a debt for Mbna in 2007 for £2548.52. I was unaware that this debt still existed as my then wife was settling all outstanding debts from the sale of our home.
We were in the process of splitting up and i was moving to Spain to get away. I left a forwarding address with the new owners of the property for any mail.
I then returned to UK several years ago, but was unaware of any debt. I didn't do credit cards or need credit at that time and didn't know my credit history. I moved to my present address in 2015 dec. I received a letter from arrow saying that i owed the £2548.52 as it had not been settled and a CCJ had been issued through the courts.
On checking my credit score i obviously haven't got it registered as the 6 year period is now up. I'm aware that under normal circumstances without a CCJ this is statute barred and there is no re-coarse for them to claim the monies back. As it was a CCJ i knew this would be different and although they cannot apply for another CCJ, I am worried they may apply to the courts to freeze my account !
I took advice from stepchange and they informed me that i can apply to the courts to have this put aside. I should therefore write to Arrow Global and ask them for proof of the CCJ and that they have made reasonable attempts to contact me. I have done this and they said they would look into it. They have returned and said that although i have asked for evidence of the debt and that they made reasonable effort to contact me, that they are under NO obligation to do so as a CCJ was issued ! I also asked how can a CCJ be issued if i was not informed of the debt and could not argue against it or settle the debt before court proceedings !
They have said if I try to get the debt struck off they will defend against it .
What are my choices here as I am not in a financial position to pay this debt off
I had a ccj registered in June 2010 which has now expired. It was apparently from a debt for Mbna in 2007 for £2548.52. I was unaware that this debt still existed as my then wife was settling all outstanding debts from the sale of our home.
We were in the process of splitting up and i was moving to Spain to get away. I left a forwarding address with the new owners of the property for any mail.
I then returned to UK several years ago, but was unaware of any debt. I didn't do credit cards or need credit at that time and didn't know my credit history. I moved to my present address in 2015 dec. I received a letter from arrow saying that i owed the £2548.52 as it had not been settled and a CCJ had been issued through the courts.
On checking my credit score i obviously haven't got it registered as the 6 year period is now up. I'm aware that under normal circumstances without a CCJ this is statute barred and there is no re-coarse for them to claim the monies back. As it was a CCJ i knew this would be different and although they cannot apply for another CCJ, I am worried they may apply to the courts to freeze my account !
I took advice from stepchange and they informed me that i can apply to the courts to have this put aside. I should therefore write to Arrow Global and ask them for proof of the CCJ and that they have made reasonable attempts to contact me. I have done this and they said they would look into it. They have returned and said that although i have asked for evidence of the debt and that they made reasonable effort to contact me, that they are under NO obligation to do so as a CCJ was issued ! I also asked how can a CCJ be issued if i was not informed of the debt and could not argue against it or settle the debt before court proceedings !
They have said if I try to get the debt struck off they will defend against it .
What are my choices here as I am not in a financial position to pay this debt off
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