Collection agency - old dwbt

[Badger9898]

Between 2005 and 2010 I got myself on a mess with my debt. I has numerous credit cards and then got loans to consolidate them.
I was a really bad time for me and I was on the verge of breakdown. I was in no position to even make a token payment to the companies so I ignored it.
I moved houses a number of times but was tracked down and received lots of mail, I was too afraid to open them.
Eventually I had a bailiff turn up at the door in around 2012, he could see if had nothing worth seizing and nothing left once I had paid my essential bills.
He offered to mediate with my creditors to see if they would accept a reduced settlement, he came back with a £4,000 offer (I owed maybe £25,000). This seemed like a way of getting rid of the debt and stress once and for all so a relative helped me get the money together.
The bailiff collected the cash from my home, gave me a receipt and some paperwork and assured me I wouldn’t be bothered with any creditors again. It was a relief to not have it hanging over my head.

Now ten years later I’m getting chased for these debts again, I’ve been ignoring them as I thought they were a scam as I haven’t had any new credit for well over ten years now.

I have no idea if I was issued any CCJs but if not wouldn’t the debt be statute barred by now anyway?

I know CCJs can always be chased with new court proceedings, but seriously how many debt collectors actually go down this route?

I have no original paperwork from when I paid the bailiff as it was over a decade ago now and I don’t even have access to the email addresses I used back then.

Any advice would be appreciated - I can’t face bailiffs turning up at my new address as I rent a room in a house and have nothing worth seizing anyway?

Thanks in anticipation

[echat11]

First check if any CCJ's exist, there is a small fee, https://www.trustonline.org.uk/

Once you now that, update the thread.

[Badger9898]

I’m a bit worried that by asking for my CCJ records I will end up with more debt collectors chasing me

I am assuming I have at least one but I’m guessing any will have been issued around 2011

[Badger9898]

Also complicating matters is that I’m not sure which addresses any CCJs would be registered to as I moved to much

[Badger9898]

No CCJs at the last properly they chased me at, but I moved out of there in 2013

[echat11]

No CCJs at the last properly they chased me at, but I moved out of there in 2013

You need to check all the addresses, you need to be sure. It's a pointless exercise if you check one address and they have a CCJ at another address.

[Badger9898]

I’ve checked my previous addresses but can’t find any CCJs listed - but wouldn’t the register only show the past 6 years anyway? Thanks

[echat11]

I’ve checked my previous addresses but can’t find any CCJs listed - but wouldn’t the register only show the past 6 years anyway? Thanks

Yes, it will show 6 years, there's no way of checking beyond 6 years.

Here's the Statute Barred template, make sure you get Proof of Postage -

https://legalbeagles.info/forums/for...ed-debt-letter

If they say they've got CCJ's, you want proof.

[Badger9898]

Wouldn’t the debt collectors have mentioned that they were chasing an unpaid CCJ in their correspondence?

But playing devils advocate

If I did have CCJs (which would now be over ten years old) do debt collectors actually often take people back to court to enforce it and then send the bailiffs out?

I cant see it being very cost effective for them if the debt is relatively small.

As an aside I have been able to get credit for mobile phones and online purchases in the last 5/6 years so if this an indication my credit isn’t as bad as implied by the collection agency?

thanks ☺️