Good Morning All,
I have 2 separate issues with different banks relating to enforcibility of old debts relating to 10 yr old CCJs and a mortgage shortfall.
1. I had 2 CCJs in 2013 for MBNA credit card and NATWEST personal guarantee for company as director. These have fallen off CRA. Natwest repossessed the company freehold business and sold very cheap in 2014 (compared to their valuation of 2007.)
2. Due to business collapse my house got repossessed in 2015 by Mortgage Express with a shortfall of 50k
3. I had no fixed abode, but I did update my DVLA drivers licence in 2015 with current address
I have two questions:-
Q1. I have not received any letters or enforcement action from CCJs since 2012 (and I have not corresponded with them since). Does this mean they cannot take enforcement action in future?
Q2. I have not received nor made any correspondence with The Mortgage company since Jan 2015. Can they still pursue me or are they out of time?
Thanks
I have 2 separate issues with different banks relating to enforcibility of old debts relating to 10 yr old CCJs and a mortgage shortfall.
1. I had 2 CCJs in 2013 for MBNA credit card and NATWEST personal guarantee for company as director. These have fallen off CRA. Natwest repossessed the company freehold business and sold very cheap in 2014 (compared to their valuation of 2007.)
2. Due to business collapse my house got repossessed in 2015 by Mortgage Express with a shortfall of 50k
3. I had no fixed abode, but I did update my DVLA drivers licence in 2015 with current address
I have two questions:-
Q1. I have not received any letters or enforcement action from CCJs since 2012 (and I have not corresponded with them since). Does this mean they cannot take enforcement action in future?
Q2. I have not received nor made any correspondence with The Mortgage company since Jan 2015. Can they still pursue me or are they out of time?
Thanks
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