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Hi thank you for having me here
I been contacted by a company for a debt taken out in 2005
I think it was a credit card from Nat West going by letter . I left the uk in 2007 for 3 years due to divorce and lost my house to the ex. I came back to uk 2010 started a new life then in 2013 I received letters from different debt firms. Being as all these debts were 6 years old I sent the letters stating they were SB . I checked my credit rating and noticed a ccJ Dated 2012 from a company in the Channel Islands. This is the company that as now written to me I think cant be 100% it was 7 years ago. 8 years since issued . Since coming back I been registered with hmrc driving license in home address had credit with different insurance companies bank account so not been hiding just wondering why it’s took 8 years to contact me . I know ccJ last 6 years and this one now is over 8 years but they can apply for court to reinstate just wanted some advice on best plan of action . I have followed many similar posts on here but never seen Final outcome . The letter doesn’t state a ccJ but I am sure this is the one
I been contacted by a company for a debt taken out in 2005
I think it was a credit card from Nat West going by letter . I left the uk in 2007 for 3 years due to divorce and lost my house to the ex. I came back to uk 2010 started a new life then in 2013 I received letters from different debt firms. Being as all these debts were 6 years old I sent the letters stating they were SB . I checked my credit rating and noticed a ccJ Dated 2012 from a company in the Channel Islands. This is the company that as now written to me I think cant be 100% it was 7 years ago. 8 years since issued . Since coming back I been registered with hmrc driving license in home address had credit with different insurance companies bank account so not been hiding just wondering why it’s took 8 years to contact me . I know ccJ last 6 years and this one now is over 8 years but they can apply for court to reinstate just wanted some advice on best plan of action . I have followed many similar posts on here but never seen Final outcome . The letter doesn’t state a ccJ but I am sure this is the one
