- Thu Jan 03, 2013 10:48 pm
Hi and welcome
Normally a past creditor/DCA will not go for a CCJ, and if they do and you receive the paperwork, then you have a full and immediate defence to prevent it happening.
When a Credit Files isn't sorted, old debts can be sold on to the less scrupulous DCA who may beleive they have bough a live debt, this is because the previous creditor hasn't closed the account down and marked it as settled/partially settled.
All they are told and all they can see is that the debt is live, now most would contact you chasing first, which is when you can send them off with a flee in the ear, but if you have moved ect, some may go for a 'last known address' CCJ - remember at this stage they still beleive the debt is live.
eventually they may catch up with you and tell you the CCJ is in place, then YOU have the nause of sorting it out, as the CCJ was issued in good faith, you will have to pay to have the CCJ set aside.
This is why we highly recommend sorting out your CRFs post bankruptcy, just to avoid this.
But remember in all incidence, being chased, demands for payments even CCJ you have the ultimate stopper the bankruptcy, that trumps ALL, just means you might have to get a tad grotty with them first!