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Thread: CCJ issued in 2014 - could have previously been statute barred. HELP please!

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    whynow's Avatar

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    Default CCJ issued in 2014 - could have previously been statute barred. HELP please!

    Hi

    Please bear with me with dates and details please. As this is to do with a 10 year old debt I cannot remember everything. FYI I am based in England.
    I took out a personal loan with the Halifax on the 22/03/2007. As far as I can remember I paid probably 6-12 months worth of payments before defaulting due to hardship at the time. I could be wrong about how many months I paid, but I think it may be around that. As this was 10 years ago, I had forgotten about the debt as I thought that it had been written off.

    This week I received a letter from Shoosmiths LLC informing me that they are acting on behalf of Arrow Global to recover the debt.
    They also informed me that I had a CCJ issued on the 06/11/2014 which I did not know about but have since confirmed that this is correct.
    As you can see there is 'possibly' the chance the original debt was statute barred but I do not have the information myself to find this out.

    I think my best action would be to find out the cause of action date as well as the date that the courts papers were issued.. Is this correct and if so who should I contact?

    Would the above be the best cause of action so if it is indeed statute barred I can get it set aside.

    I want to be careful as I do not want to admit a debt that I may not owe.

    If this isn't the best route what would be?

    I am not too concerned about my credit score, but I am concerned about them coming to my place and removing goods, such as my car etc.

    If it does turn out that I do owe this debt, I think I would prefer to pay it of in one go and try for a final settlement. As the debt is about £5000 what would I expect to end up paying? I could possibly raise £1500-£2000 if I could get it that low.

    Thank you

  2. #2
    whynow's Avatar

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    Default Re: CCJ issued in 2014 - could have previously been statute barred. HELP please!

    I have just found an old credit report of mine in an email, and it looks like I had taken out the loan on 18/09/2006. This was a credit report from 07/03/2007. I am starting to think that the 22/03/07 original agreement date Arrow mentioned in the first post could be the cause of action date. If that is indeed the date what exactly should I be requesting information wise from Shoosmiths?

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    whynow's Avatar

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    Default Re: CCJ issued in 2014 - could have previously been statute barred. HELP please!

    Can anyone help with this?

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    Diana M's Avatar

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    Default Re: CCJ issued in 2014 - could have previously been statute barred. HELP please!

    Were you living at the address where the claim form was served in 2014?

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk . Our initial advice is always free.

    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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    whynow's Avatar

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    Default Re: CCJ issued in 2014 - could have previously been statute barred. HELP please!

    When I downloaded my CCJ report from the Registry Trust it does state my current address which I moved into on 04/05/2009. The debt was from my previous address.
    I do not remember anything coming through though otherwise I would have queried this before. I do travel a lot, and also live in a block of flats and we have had difficulties with the post before just being dumped on the doorstep. So it may have been delivered without my knowledge.
    Last edited by whynow; 17th September 2017 at 10:27:AM.

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