Just wait for 6 years?

applesandredpens

Someone I know has lots of debts racked up while in a previous relationship. At the time the debts all came out, parents paid some but nothing has been paid since. All phone calls and letters come to parents, so the person never reads them or answers the phone.

It appears they are just waiting for them to go away! Is this possible, after 6 years will they all be unenforceable and they will have got away with it?

It seems very unfair for those of us who are struggling to pay off debts :rolleyes:

tasha-debt

A girl a used to work with is doing this, she got married and moved away to a rented flat in the husband's name. Has been ignoring her debts for 4 years now, she thinks after 6 they will go away.

Its very unfair, but then again she would never be able to get credit again and her chances of getting a mortgage would be very slim.
x

GeorgeUK

They might go away, but if there's a CCJ or decree issued, the debt will never become statute barred. It all depends on the action taken by the creditor.

applesandredpens

thanks for the replies,

so its fair to say that she will probaby never pay them back. It is just so disheartening to hear all her talk of meals out, dresses and expensive things!

bank_of_slate

Tell her that you don't want to hear about it!
Is she the kind of friend that you want in your life?
What else is she dishonest about?
...Linda xx

Broken_hearted

Tell her to grow up and think of her poor parents. DCA will fight hard to get the money back.

robinson79

tasha-debt wrote: »

Its very unfair, but then again she would never be able to get credit again and her chances of getting a mortgage would be very slim.
x

I thought it dropped off your file after 6 years? You could then start rebuilding your credit rating, or am I misinformed?

applesandredpens

Thats what i was wondering robinson-in 6 years is this all just forgotten about and she will be fine to get credit again?

bank of slate- no she is not the kind of person i want in my life, but she is related to OH. drives me mad to be fair, the debts are kept hush hush which to me feels like she is getting no 'punishment' if you get me!

thing is she is such a snob, loves expensive things!

oh well, best to plod on in the rat race to pay off the debts!

Broken_hearted

You could be evil and send the companies her new address.

GeorgeUK

Not too sure about this.

If the account is closed, then the debt would fall off after 6 years, but if they haven't closed the file - it could well stay on.

Tixy

Its only 6years after the last repayment that the debt can be classed as statue barred so if her parents have paid some on her behalf that could affect the date.

Everything entered stays on for 6years - so if a company defaults her after 12 months of non payments she would still have another 6years before it can be removed. As George says they will try to get CCJ and if they do the debts do not encessaily disappear.