13 years OMG.... Fermi please

AMBERSHADOW

OK I got my cca request today and this is from 1996 13 year's ago.

And from an old address too

What do I do now????????????????????

What a joke:D

AMBERSHADOW

Bumping up

Burlesque_Babe

over 6 years since any contact/payment made? Then it's statute barred.

RAS

Unless you post a pic of the CCa, we cannot tell you if it is valid.

AMBERSHADOW

Yes I am aware of that But I don't really know why they don't LOL

AMBERSHADOW

Ras It is my Cca but its dated 1996 aND i HAve been in the adress now for 13 year's this year and have heard nothing regarding this amount or paid anything


This is from an old address

RAS

In thaat case why did you request the CCA?

if the debt is statute barred, then the CCa is irrelevant.

Burlesque_Babe

they know what the rules are but they rely on people not knowing the rules. CCA doesn't matter if the debt is over 6 years old.

AMBERSHADOW

I had a letter regading this which I posted here I called them and asked what it was for and told them I knew nothing of this debt ,
They then said it was for car finance which I have only had when I first passed my test in 85.
I said at the time this would be statue barred as its over 6 year's old But she refused to believe me telling it was within the time frame and continued with this other letter of saying I was being taken to court that's why I asked for cca.

Now I have prepared the statue barred I presume this is what I send?

Thank you for your help

RAS

yes

A prove it letter might have been more appropriate in the first case but if you have paid nothing towards the debt for any period exceeding 6 years nor acknowledged it in writing, then it is and remins statute barred, for ever - unless a CCJ was obtained.

Which goes to prove why you should not ring DCAs and why you should not take any notice of threats to take legal action whe the debt is already unenforceable.

have you reported them to the OFT? If not, make that you next action.

AMBERSHADOW

Will Do Ras

Will pop a prove it letter in the letter too lol