Hello my name is ***** ***** I will help you with this.
Did you ever have an IVA or bankruptcy as a result of these debts Mike?Alex
Do you have any defence to this debt do you know?
Thanks. Sadly they have 6 years to make contact. If you had a defence then you would have been able to apply to set aside, but you cant do that.
They have 6 years before they can begin to enforce, so sadly if you dont make an arrangement to pay then they can enforce by sending on bailiffs etc.
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have duty to be honest.
Can I clarify anything for you about this today please?Alex
Indeed, that would be grounds to set aside. But then you have no defence and they could just get a CCJ at your new address.
Does that clarify? Alex