6 year limit CCJ - Can they still enforce?

[DreamX]

Hi there!

Just a quick one! I had a debt from Lowell for 3k that I received a CCJ for. The judgement was dated December 2018. I made a couple of payments around 2021 but nothing since. Is the debt no longer legally enforcible as it's over 6 years since the judgement?

I didn't know if making a payment reset the 6 years? I only ask as they sent a couple of letters before Christmas threatening enforcement action.

Kind Regards

[Pezza54]

After 6 years the ccj is removed from the register whether a debtor has made payments or not. The debt still exists though and the creditor has to obtain court permission to enforce the debt

[DreamX]

Pezza54

Under what circumstances would they obtain permission to enforce the debt? Wouldn't they need extenuating circumstances as to why they have not enforced the CCJ?

[Pezza54]

Yes they would need a good reason such as debtor moved, or emigrated temporarily, and the creditor has only just found the debtor's latest address

[DreamX]

Pezza54

Thanks for the quick reply. So considering the above doesn't apply, would I be safe to assume I can ignore their threats of legal enforcement action?