Wescot chasing a debt from 12 years ago

icon_boy

Hi All,

I've just received a letter from Wescot trying extort a debt. Am I correct in thinking that the debt is statute barred? Basically I was only 18 when I ran up a catalogue bill, I never did pay the debt off, Im now 31

I guess Freemans and/or debt collector hounded me for the money back then (over 12 years ago) up until around 1996.

Since 2003 I've a clean slate on my credit file and have always paid my creditors on time (A1 Credit) and regularly subscribe to Experian. I have never defaulted on any account or received any debt collection letters until now.

I get the impression that Wescot have bought the debt cheaply from elsewhere and trying to get me to pay up.

There a bit in the letter that makes me think that they are trying it

"Our recent enquires lead us to believe that you are still resident at the above address"

Should I just ignore it as it statute barred? - I've just checked my online credit report and there haven't been any searches by Wescot.

Advice greatly appreciated

Many thanks

moneysavingplumber

I think there's a template letter around to deal with this type of claim, someone should have a link to it, I know my m-i-l got one and sent the letter and got an apology in writing.

icon_boy

thanks for your comments,

I was wondering If I should bin the letter and unless they bombard me with more letters, then fire of one of those templates.

tia

fermi

It's up to your judgement really.

If you need them, the templates are here:

http://forums.moneysavingexpert.com/showpost.html?p=11571227&postcount=4

icon_boy

any more advice greatly appreciated - tia

10past6

icon_boy wrote: »

any more advice greatly appreciated - tia

What further advice are you loking for?

Fermi has given you the advice you require

AMBERSHADOW

I thought if they didnt contact you within 6 year's there was nothing they could do it was out of date

Not an expert though