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Hi all,
I’m hoping that someone can help please.
I received a letter from Mortimer Clarke in December 2018 saying that I owe £10,000 for an old Black Horse debt and that I should fill out an income form and send it back within 14 days.
I know that I defaulted on the debt in 2009 so concluded that the debt was Statue Barred so replied stating this.
They then replied in January 2019 stating that the debt went to a CCJ in June 2010 and therefore can not be Statue barred.
I have now replied stating that I believe that they should have enforced the CCJ within 6 years and to continue enforcement they would need to apply to the court and that I believe they are unlikely to be successful.
I would like to briefly explain why I defaulted and why I didn’t know about the CCJ.
From 2007 to 2009 I was a self employed plumber, I was subby bashed by a company for around £6000 and got into financial trouble, I gave up sole trading and sub contracted for a good company, my relationship broke up as a result of the difficulties and I found myself homeless from 2009 to early 2013. I then got my life back together and met an amazing woman, now my wife.
I work on the books for the plumbing company and earn good money. I repaid £10,000 I had borrowed from my parents and then saved in anticipation of my old debts catching up with me as I was now back on Grid. In 2014 I was contacted by Lowell with regard to three outstanding debts which I settled. I thought by 2015 that any old debts from 2009 would be statue barred. I then got married and bought a house. I was very happy and getting on with my life. Had I been contacted in 2014 I would have settled the debt, do I have to pay it now?
Any help would be appreciated and apologies for not really being brief,
Thank you.
I’m hoping that someone can help please.
I received a letter from Mortimer Clarke in December 2018 saying that I owe £10,000 for an old Black Horse debt and that I should fill out an income form and send it back within 14 days.
I know that I defaulted on the debt in 2009 so concluded that the debt was Statue Barred so replied stating this.
They then replied in January 2019 stating that the debt went to a CCJ in June 2010 and therefore can not be Statue barred.
I have now replied stating that I believe that they should have enforced the CCJ within 6 years and to continue enforcement they would need to apply to the court and that I believe they are unlikely to be successful.
I would like to briefly explain why I defaulted and why I didn’t know about the CCJ.
From 2007 to 2009 I was a self employed plumber, I was subby bashed by a company for around £6000 and got into financial trouble, I gave up sole trading and sub contracted for a good company, my relationship broke up as a result of the difficulties and I found myself homeless from 2009 to early 2013. I then got my life back together and met an amazing woman, now my wife.
I work on the books for the plumbing company and earn good money. I repaid £10,000 I had borrowed from my parents and then saved in anticipation of my old debts catching up with me as I was now back on Grid. In 2014 I was contacted by Lowell with regard to three outstanding debts which I settled. I thought by 2015 that any old debts from 2009 would be statue barred. I then got married and bought a house. I was very happy and getting on with my life. Had I been contacted in 2014 I would have settled the debt, do I have to pay it now?
Any help would be appreciated and apologies for not really being brief,
Thank you.
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