Hi,
I'm new to this forum - looking for some help. Out of the blue, I received a letter from Resolvecall, acting on behalf of Capquest who purchased a debt from Shop Direct. I was facing some financial difficulties a long time ago and this could be one of those. I sent them a 'time has run out letter' that I downloaded from National debtline. But they immediately sent another letter saying there's a ccj against this and therefore, not statue barred, I checked my credit file and there's no ccj as it has dropped from my file because 6 years have passed. I moved a bit during those early days, so this maybe why I didn't received the ccj forms. They are threatening with a home visit if I don't pay.
My understanding is that they need to go to court and get permission to extend the ccj enforcement. Do I write to them mentioning this? Would they do this? Would a judge give them permission? If they do, will there be another record on my credit file? What are my options?
Many thanks.
I'm new to this forum - looking for some help. Out of the blue, I received a letter from Resolvecall, acting on behalf of Capquest who purchased a debt from Shop Direct. I was facing some financial difficulties a long time ago and this could be one of those. I sent them a 'time has run out letter' that I downloaded from National debtline. But they immediately sent another letter saying there's a ccj against this and therefore, not statue barred, I checked my credit file and there's no ccj as it has dropped from my file because 6 years have passed. I moved a bit during those early days, so this maybe why I didn't received the ccj forms. They are threatening with a home visit if I don't pay.
My understanding is that they need to go to court and get permission to extend the ccj enforcement. Do I write to them mentioning this? Would they do this? Would a judge give them permission? If they do, will there be another record on my credit file? What are my options?
Many thanks.
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