My name is***** and I'm happy to help with your question today.
A judgment is only enforceable for 6-years. This probably explains its absence from your credit report.
I am basing this on my knowledge and s.7 Limitations Act 1980.
Also s.24 of the same Act states
(1)An action shall not be brought upon any judgment after the expiration of six years from the date on which the judgment became enforceable.
Hi Alex, thanks for the reply. That was my understanding but when I asked one of your other lawyers Buachaill last year, his response was as follows:-
'The period for the Statute of Limitations on a judgment is very long - 12 years. So a money judgment obtained against you in 2007 will not be time barred until 2019. This is the reason why creditors seek to obtain judgment against debtors. Then a new fresh statute of Limitations period applies which is very long. It would only be if you became bankrupt and dealt with your creditors in that way, that the money judgment would become subject to bankruptcy law whereby it would expire after one year if you declared it in your bankruptcy.' So, you can see why Im a bit confused about this.
Ive found the answer on the National Debtline page and it seems it depends on whether the shortfall is comprised of arrears or interest. I have some investigating to do.
Thanks for your help, no need to reply to previous question