can an old debt get a CCJ?

[Caroll54]

Hello everyone, i have already posted in wrong place, so I'm hoping this is correct.

just in case it's not I will give short information.

1998/97 took out car finance, had no job, spoke to solisitor, made payments £3.00 week, they sold debt, over years been sold to so many I've lost count, recently someone else has been sending letter claiming to be from court, looked on line, the stamp was not court, on my credit file they have placed a CCJ ???? But I have received nothing from court????

[Amethyst]

Re: can an old debt get a CCJ?

Hi Caroll, You're fine here xxx Don't worry.

It sounds like they may have got a default judgment and thus the CCJ has been entered on the register. You need to contact the claimants and ask them for the case number or any details about this CCK and explain you know nothing about it.

Have you moved house since taking out the loan ?
How long ago did you stop the £3 payments?

[Caroll54]

Re: can an old debt get a CCJ?

I stopped paying quite a few years ago, this was an old address but they updated details, I will do, I actually feel sick.". I did letter asking for my income etc.... From this place but I ignored it, they sent a letter with a stamp which was supposed to look like a court stamp, I went on line, searched about and people were saying this company use it to scare, but over the years the debt has been passed round so many company's , I've lost count, I don't work any,ore, as I have problems with my back, I'm not disabled, I live with my partner, so I don't have a regular income, he pays for things, so they want £13000 from me, I do not have savings, I don't own a house, I have heard nothing from the court???? I just can't believe it.... Can they do this??????

[Caroll54]

Re: can an old debt get a CCJ?

Yes I forgot to say moved house 9 years ago, but they have all my details, as when I moved here I got a few from different company's. Also wanted to ask, how come a CCJ is on my credit report , but I have had no court papers????? Also it's dated 17/09/2014 ???? why has no one told me????

[Amethyst]

Re: can an old debt get a CCJ?

Wouldn't be beyond them to go to your old address with court papers to get the default judgment through.

You will need to apply to set aside the judgment if you do feel you have a defence. You need to know what the judgment was for, whether it was for a forthwith paymennt (everything straight away) or for monthly installments.

You can give the court (Northampton county court business centre) and ask them what information they have on it - not sure if a case number shows on your credit file entry or not, but just give them as much info as possible - probably your old address in this case will be needed.

[Amethyst]

Re: can an old debt get a CCJ?

Also, what happened to the vehicle ? Was it a personal loan you used to buy a car or actual car finance ?

It might help if you tell us which company is chasing you now and who the original creditors were.

[Caroll54]

Re: can an old debt get a CCJ?

On line finance, for the car, it was not a personal loan, the car was taken back, as I requested, mortar Clarke I belive sent me letters, and on my credit report its there business centre which is the court name, court date was 17/09/2014. No court of file number.
they did send letters, but as this debt is over 6 years I di not reply, as some people do recommend not get in touch, and they sent letters as a scare tactic, trying to make it look like a court papers, I would of thought that in order to get a CCJ against me would not happen, it's been over 6 years, how can they do this after this time?. The debt has been to Cabot, and God only knows who else, they have just put it on my credit report? I must admit they did say it would go to court??? So is this going to happen to me?.. I'm just in shock. Yes it was car finance, and they more or less forced me into buying insurances, that were not really any good. I had 2 of them in a room with me and I was on my own.

[Amethyst]

Re: can an old debt get a CCJ?

Okay give Northampton Business Centre a call and tell them there is a CCJ on your file and you don't know what it is and could they tell you the claimant and send a copy of the judgment order to you as you will be applying to set aside the judgment, also ask if they can send you the form (if not don't worry its available online) Money claims: 0300 123 1057 or 01604 619 402

If they can't help you will need to contact the claimants.

[Caroll54]

Re: can an old debt get a CCJ?

Thanks amethyst, it is kind of you to help me. I'm on the phone now, also on my credit file I found the case number. AOjq5970

[Amethyst]

Re: can an old debt get a CCJ?

Excellent Hopefully they will tell you the info you need to put a set aside application in.


We'll need to get some more info from the claimant, if you can scan/photograph the letter they sent you we'll be able to help you reply.

[Caroll54]

Re: can an old debt get a CCJ?

This is the bad news, I never kept them, sorry, just got off phone from them , given case number, he only has a little information, he said he will send it by post, he says original finance from on line, which is correct, now Cabot have taken , but I have had active capital etc... Loads of them, and he said he will send forms so if I whish to make payments, I know this sounds bad but I don't have money, it's not fare for my partner to pay, it's not his debt, I feel frantic.... But the debt is really old, and when you read on line they say after 6 years they can't do this... So how can I be given a CCJ ... Sorry amethyst... I know I'm going on, but I can't help it ... I'm worries, scared... Everything really

[Amethyst]

Re: can an old debt get a CCJ?

It;'s fine, really don't worry.

I haven't heard of on line before - do you have any more details on them?

When you get the info through from the court let me know and I'll help you draw up a set aside application (if that's necessary)

Because you were paying £3 a month that does mean the debt won't have gone statute barred (unless you stopped paying those over 6 years ago) but you should be able to set aside the CCJ if we work out that's what you need to do. Won't know much more till you get the paperwork from the court I'm afraid.

I'll try find something about this on line company that originally gave you the finance.

[righty]

Re: can an old debt get a CCJ?

Wouldn't be beyond them to go to your old address with court papers to get the default judgment through.

You will need to apply to set aside the judgment if you do feel you have a defence. You need to know what the judgment was for, whether it was for a forthwith paymennt (everything straight away) or for monthly installments.

You can give the court (Northampton county court business centre) and ask them what information they have on it - not sure if a case number shows on your credit file entry or not, but just give them as much info as possible - probably your old address in this case will be needed.

Ame If the CCJ was issued AFTER the 6 years time limit it can be set aside by the court at the creditors expense. Reason they shouldn't have applied for it in the 1st place

[Amethyst]

Re: can an old debt get a CCJ?

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

[Kati]

Re: can an old debt get a CCJ?

I'll try find something about this on line company that originally gave you the finance.

On:Line Finance went into liquidation last year by the looks of it ....

Name & Registered Office: ON:LINE FINANCE LIMITED 8 SALISBURY SQUARE LONDON EC4Y 8BB Company No. 03107634

Status: Liquidation Date of Incorporation: 28/09/1995 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC): 82990 - Other business support service activities not elsewhere classified Accounting Reference Date: 31/12 Last Accounts Made Up To: 31/12/2011 (FULL) Next Accounts Due: 30/09/2013 OVERDUE Last Return Made Up To: 28/09/2012 Next Return Due: 26/10/2013 OVERDUE Mortgage: Number of charges: 2 ( 0 outstanding / 2 satisfied / 0 part satisfied ) Last Members List: 28/09/2012 Insolvency History Previous Names: 12/01/1999 ON LINE FINANCE LTD. UK Establishment Details There are no UK Establishments associated with this company.

Name & Registered Office: ON:LINE FINANCE LIMITED Company No. 03107634

Number of Cases: 1 To obtain details of the practitioner click on the appropriate case type description. Case Number: 1 (of 1 cases) Case Type: Voluntary Members Liquidation Wind Up Date: 30/01/2013 Dec sol Sworn On: 25/01/2013

I got this from Company Check - http://companycheck.co.uk/company/03...roup-structure - if it's any use??




K x