Debt that defaulted in December 2002

RAS

skylight wrote: »

She has contacted them so the statute barred cannot work now - even though no payments have been made.

Sorry this is wrong.

1. The acknowledgement has to be IN WRITING, so if she has only contacted them by phone, then it could be statute barred as long as she has not made the payment.

2. If the debt was defaulted in December 2002, the last payment would have been some time prior to this. It may therefore have become statute barred prior to September 2008.

*Dee*

Thanks RAS, im going to my mums tonight after work and i will check everything.

Dee
xx

RAS

Oh

Just to add that if the debt has become statute barred any time, it remains statute barred even if she has made a payment.

*Dee*

Just a quick update, the debt has been passed to Mercers. My mum hasnt paid anything yet and i am going to send the CCA letter and a cheque for a pound tonight.

Dee

shinyhead

Hi Dee,

If you're dealing with a debt collecting agency DON'T send a cheque-send a postal order payable to them. Also DON't sign the letter-don't give them anything with your signature on it so they can't get creative as has been alleged by others. Just print your name.

Send the request recorded delivery as well.

Are you sure you don't want to go down the statute barred route by sending the standard 'bogoff' letter? If you want to try this I'll gladly supply a link for one.

*Dee*

Hi Shinyhead,

When i asked them when the debt had defaulted they said the last payment Abound had received was in December 2002 so im not sure if it is satue barred.

Thanks for letting me know about the postal order too hadnt thought of them being crafty!! Well im off to the post office at lunch time then!

Dee