debt from 11 years ago!!!!!

barrieo · 28 January 2008 at 4:47PM

Thanks for the reply but as this is a County Court form does he not have to reply? Also any help with the other questions would be grateful.

Thanks again

reeny_3 · 19 April 2008 at 6:31PM

im really sorry if this is the wrong place to ask this question. im new to this.
Over 10 years ago i run up debts with barcley cards for over £1000 over the years their has be letters sent from different companys who have taken over this debt but i have never contacted them. well in the last 6months a new debt company have contacted me about the debt and i think they have been knocking at my door and today i answered but told him to go away as i wants intrested in anyting and he said i just wanted to c if someone lived here. i shut door and paniced. im now really worried as im a single parent on benifits and cant pay back. I think its barclays or may abby and the overdraft i hadnt paid. could i write the letter about the account being barred or should i just ignore it. im getting really worried they will try and take the little things i have. please what can i do

reeny_3 · 19 April 2008 at 6:33PM

im really sorry if this is the wrong place to ask this question. im new to this.
Over 10 years ago i run up debts with barcley cards for over £1000 over the years their has be letters sent from different companys who have taken over this debt but i have never contacted them. well in the last 6months a new debt company have contacted me about the debt and i think they have been knocking at my door and today i answered but told him to go away as i wants intrested in anyting and he said i just wanted to c if someone lived here. i shut door and paniced. im now really worried as im a single parent on benifits and cant pay back. I think its barclays or may abby and the overdraft i hadnt paid. could i write the letter about the account being barred or should i just ignore it. im getting really worried they will try and take the little things i have. please what can i do

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting post http://forums.moneysavingexpert.com/showpost.html?p=10310009"]

[/EMAIL]

Lokolo · 19 April 2008 at 6:36PM

Have you actually acknowledged the debt? If so you have to pay it. If you have ignored every warning then continue to do so. you don't have to pay them. I think outstanding debts that have had no contact after 6 years you don't have to pay unless you acknowledge them or something. Someone else will confirm this,

fermi · 19 April 2008 at 6:39PM

A debt will be "Statute Barred" if there has been no acknowledgement of the debt you making a payment or in writing within the relevant limitation period.

If you are in England/Wales then the limitation period is 6 years and read:

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

If you are in Scotland then the limitation period is 5 years and read:

Link: Factsheet | Liability for debts & the Prescription & Limitation (Scotland) Act 1973

If you feel the debt is "Statute Barred", then there is a letter to write at the end of each factsheet.

But if you are unsure, then it would be best to ring National Debtline free on 0808 808 4000 to talk to a professional advisor about it. They can help you work out the best thing to do.

reeny_3 · 19 April 2008 at 6:42PM

i dont think i have every owned up to it well i dont think i payed any money. i was ill at the time and then moved and wasnt on the electrol roll for ages so they couldnt find me. the letters i have been ignoring but im sure the man that knocked was from them and thats what worries me. thanks so much for the quick response.

10past6 · 19 April 2008 at 6:48PM

Lokolo wrote: »

I think outstanding debts that have had no contact after 6 years you don't have to pay unless you acknowledge them or something. Someone else will confirm this,

Unless a CCJ has been granted, then the debt is excluded from being "Statue Barred, although the DCA MUST take leave of the court before enforcing the debt.

Trust this helps.

ROSEY · 20 April 2008 at 11:42AM

Can somebody please tell me how to ask a question and post it here? I apologise for getting it wrong at the start but I've not done this before. Thanks.

fermi · 20 April 2008 at 11:50AM

Click on the

button that is towards the top left of the main Debt-Free Wannabe page and post your question.

If you click on the button above in this post it will do it for you.

ROSEY · 20 April 2008 at 11:57AM

I am trying to sort out a problem with somebody. Briefly, divorced in 1986, solicitor dumped the case leaving person to act for themselves. They tried to take a case against the negligence but got more entangled over years of trying to deal with it all and are under care of psychiatrist. Bout 2 weeks ago right out of the blue the LSC sent a letter making a claim relating back to 1991 in sum of approx £10,000 saying it was some kind of order attached to their property. My colleague has lived at the same address for over 20 years and hasn't heard anything about this before now. What can I do to help as their stress and anxiety is increasing daily.
Sorry if I did this posting wrong but it is the first time I tried this to get some help somewhere for them.

debt from 11 years ago!!!!!

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