15 year ccj

[Guest]

I really hope someone can help.... I have a ccj that's 15 years old I guess I got it by default as I never had any court papers.. It was issued in 2009 the 1st I knew of it was in 2015. But didn't know who the creditor was. Ive never had any letters about it and no debt collectors have ever been to my address over it as far as I know.. I recently had a letter about another debt of similar age that I had assumed was statute barred asking to pay a reduced settlement.. I don't know what to do.. Iv been reading loads of stuff on the Internet and now I'm terrified that the ccj debt could have interest on it. It was for about 1200 pound originally so at 8%per year that's doable but what if it's thousands due to contractual interest... I have no way of finding out what was on the ccj if it stated this as u never had any letters please help me in sick with worry

[PallasAthena]

A 15 year old CCJ won't be listed on any publicly available record and will long since have disappeared from from your credit record. I wouldn't recommend approaching the creditor even if you knew who it was but as you don't you can't anyway! In theory a creditor could seek to enforce a CCJ at any time but after all these years of doing nothing they would have to go back to court and explain why they hadn't tried to enforce it sooner and get the court's permission to enforce it now. My advice is don't start digging around and accidentally stirring things up on a CCJ that seems to be long forgotten.

The 8% interest is what is applied from the date you defaulted until the CCJ was granted by the court. It doesn't apply afterwards if the creditor fails to enforce the CCJ. AFAIK there is no interest payable after the CCJ is issued but hopefully one of the experts on this will come by and confirm that.

[Guest]

Thanks pallasathena. The reason i started worrying about this ccj is that another old credit card debt resurfaced a couple of weeks ago offering me a full and final settlement offer which is reduced by 75%..it says I have till the end of this month to pay or else they will pass it back to the people they are collecting for.. (another dca not the original creditor unless they are working on behalf of original creditor).. Back in a 2009 i vaguely remember accepting a reduced final settlement figure which I accepted but couldn't make the payments a few years went by and not much was heard about eventually I just forgot about it.. I can honestly say that I haven't recieved any letters about itfor years up untill this one I recieved a couple of weeks ago. I was going to pay it as I'm really worried about this one too. I'd read a few years ago that it might be statute barred so iv just been living my best life since about 2017..now I'm worried if I pay this is it going to alert other old debts I have all also from 2009/10 to which there are about 3 more and also this old ccj I'm so scared I don't know what to do..