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Hello my name is ***** ***** I will help you with this.
You dont need to worry about the CCJ
They need to apply to the Court for permission to enforce it
It wont simply be transferred to the High Court
If it is over 6 years old they need permission to enforce from the Courts
Given the age and lack of anything I do not think they would get that
You could apply for a Debt Relief Order because you have little in terms of assets and debt
Once the DRO is granted and you come out of it any debt is written off
For more information please see:
Can I clarify anything for you about this today please?
will the debt relief order stop me getting a mortgage?
Yes it will
But if you owe the debt then there would be no getting away from it
You would need to make arrangements to pay
But you can do this now without a CCJ
But if you want to get the debt written off - they need to apply to the court to enforce
If they don't they cant
But if they do - you need to take action
Does that help?
Is there anything else I can help with today?
that's all thanks
Great. If I could invite you to rate my answer before you go - the button should be at the bottom of the screen
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