can an old debt get a CCJ?

[righty]

Re: can an old debt get a CCJ?

It depends when the payments of £3 a month stopped Righty I think xx

Of course I was assuming they stopped considerably more than 6 years ago

[Amethyst]

Re: can an old debt get a CCJ?

~Ahh well done Kati, my google powers really failed when looking up online car finance xxxx

[Caroll54]

Re: can an old debt get a CCJ?

It was after the 6 years, thank you for your advice, and amethyst you are kind, yes as soon as I get the papers I will attempt to get them on hear. And a big thank you to Kati for information, guys I really appreciate for everything you are doing for me
but does it help that they no longer trade? And of course righty

[Kati]

Re: can an old debt get a CCJ?

~Ahh well done Kati, my google powers really failed when looking up online car finance xxxx

you know me Ame ... I can find almost anything if I look hard enough :lol:

[Kati]

Re: can an old debt get a CCJ?

does it help that they no longer trade?

I'm not sure ... but we've got the name of their 'parent company' (might be useful) xx

[Caroll54]

Re: can an old debt get a CCJ?

Can I just please ask.... They won't send bailiff to my house and take things..... I just can't stop thinking about it or will the make my partner pay.

[Caroll54]

Re: can an old debt get a CCJ?

Thanks for looking that up for me, it is really kind of you, I will be glad when I know what's going to happen to me, it's like a nightmare.

[Kati]

Re: can an old debt get a CCJ?

Can I just please ask.... They won't send bailiff to my house and take things..... I just can't stop thinking about it or will the make my partner pay.

The bailiffs would only be able to stand on the doorstep (unless you let them in - which I'd advise strongly against!!!!!) without getting a court order first - so they wouldn't be able to take anything from inside your house

and ... they cannot take anything that's not yours either

K xx

[Caroll54]

Re: can an old debt get a CCJ?

Thanks... Phew , I will make sure I don't let them in, unless they have court order. Thanks again.
thats lot of my mind, as my partner has paid for everything, thanks

[MissFM]

Re: can an old debt get a CCJ?

It was after the 6 years, thank you for your advice, and amethyst you are kind, yes as soon as I get the papers I will attempt to get them on hear. And a big thank you to Kati for information, guys I really appreciate for everything you are doing for me
but does it help that they no longer trade? And of course righty

Sorry Caroll - that's a bit ambiguous (could mean either,lol).

Do you mean that the payments stopped over 6 years ago or that you continued paying less than 6 years ago?

(Sorry to be thick but it makes a huge difference) :tinysmile_kiss_t4: x

[righty]

Re: can an old debt get a CCJ?

Thanks... Phew , I will make sure I don't let them in, unless they have court order. Thanks again.
thats lot of my mind, as my partner has paid for everything, thanks

Even if there is a CCJ they still cannot enter your home unless you allow them OR if you leave a door or window open its called "peaceful entry"

They would have to apply to the court for a warrant of entry/enforcement

[righty]

Re: can an old debt get a CCJ?

Carol, further to my previous posts if you enter the defence I've suggested then you are not admitting the dept whereas if you write a normal defence where you will be expected to confirm you did enter into said contract you will have to make it perfectly clear that the debt is TB"d

[Amethyst]

Re: can an old debt get a CCJ?

Caroll - can you tell us the approx month and year you stopped making the £3 payments please.

[Caroll54]

Re: can an old debt get a CCJ?

Yes I stopped the £3.00 payment over 6 years ago, thanks for your help, I know I keep repeating myself ... But how can they put a CCJ on my credit report without court papers??? I still can not believe it, stupidity I thought after all the different times the debt had been sold, and the time it has been ..... But I am wrong, now I'm scared... And I can't see any end to this situation

also I was given letters claiming to be court papers, but once again I have been stupid and thrown them

[Caroll54]

Re: can an old debt get a CCJ?

Also I have just posted my reply to you on a wrong page.... I'm sorry.....

yes i I stopped paying £3.00 over 6 years ago, thanks