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So who gives out my address then?

ronson49
ronson49 Posts: 50 Forumite
edited 26 January 2012 at 10:51PM in Debt-free wannabe
No Longer With Us
«13

Comments

  • Cyril
    Cyril Posts: 583 Forumite
    I think thats the message really,

    You can't hide from the debt so better to address it.

    Must be very stressful always looking over your shoulder so to speak or waiting for the
    knock on the door. Addressing the problem may not be as bad as you think.
    :beer:
  • Horace
    Horace Posts: 14,426 Forumite
    The DWP and the bank most likely. If you have debt from 2002 surely that is statute barred?
  • ronson49
    ronson49 Posts: 50 Forumite
    edited 26 January 2012 at 10:52PM
    No Longer With Us
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    ronson49 wrote: »
    Been running from debt since 2002.

    Providing that you have made no payment towards, nor written acknowledgement of, the 'debt' for six years, and that there is no related CCJ (County Court Judgement) then the 'debt' will be covered by the Limitation Act, 1980, and will e Statute Barred'.

    This means that, once you have informed the creditor, or Det Collection Agency that you will NOT e making any payment as the det is Statute Barred (the only reason you need give) then they can no longer legally enforce the det and must leave you alone.

    Have a look at the following NDL link, and send off the Template Letter that you will find therein:

    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • ronson49
    ronson49 Posts: 50 Forumite
    edited 26 January 2012 at 10:52PM
    No Longer With Us
  • ronson49
    ronson49 Posts: 50 Forumite
    Im always a post behind :P

    I dont know if i have a CCJ and what i believe to be the case is just say im what, 6 months away from such status? Well the moment i talk to them then thats it? Basically it cancels out the last 5-6 years of running?
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    ronson49 wrote: »
    Im always a post behind :P

    I dont know if i have a CCJ and what i believe to be the case is just say im what, 6 months away from such status? Well the moment i talk to them then thats it? Basically it cancels out the last 5-6 years of running?

    If there is a CCJ, then the debt can be enforced, even with the use of bailiffs, but if the CCJ is more than six years old, then they would need to go back to the court to obtain permission to enforce it, at which time they would need to convince the court that they have a very valid reason for not having enforced the CCJ earlier.

    Acknowledgement of the debt must be in writing - phone calls are not counted.

    If a 'Limitation Period' of six years (five in Scotland) have elapsed, without payment, or written acknowledgement, then contact after this time will not count as acknowledgement, or alter the status of the debt.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • tuggy
    tuggy Posts: 220 Forumite
    Part of the Furniture Combo Breaker
    Your name and address are on your credit files. Your bank will be updating your credit files with your new address each time you move. The people you own money to have access to this credit file they can just read it right off. its the bank you need to cut out if you want to lose them.
  • fatpiggy
    fatpiggy Posts: 388 Forumite
    I don't have any sympathy for people who can't be bothered to face up to their mistakes. You are only interested in how to cover your own back and get away with it. And to cap it all, we "idiots" are paying you in benefits and housing.

    I smell a strong aroma of troll.
  • rocketdog_2
    rocketdog_2 Posts: 144 Forumite
    :wall:I thought exactly the same - Troll!!!!
This discussion has been closed.
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