clarity wanting money from 8 yrs ago

mexicannavigator

just had a letter this morning from when i stayed in a different house 8 yrs ago, they are saying i owe £211.19 for an Argos card i had and ive to pay it back. i forgot all about it do i have to pay it, any advice welcome.

BargainGalore

I think there is a 6 year rule on claiming money back that is owed

http://www.insolvencyhelpline.co.uk/debt_factsheets/liability_for_debts_and_the_limitation_act.php

What should you do next?

You can use the sample letter attached to write back to the creditor telling them about the Limitation Act and disputing that you owe the debt. Keep a copy of any letter you send.
You are entitled to a copy of any files the creditor has containing the history of your account under the Data Protection Act 1998. A request for the file would not mean you were admitting the debt.
Remember: If the creditor can prove you wrote to them admitting the debt, or you or anyone else owing the debt made a payment then the six years limitation period would start running from the date you last made contact or made a payment.
If you have started to make payments on a debt where there was more than a 6 year gap then it is probably unenforceable. Phone us for advice

pinkshoes

If you had a debt with Argos, it was your responsibility to let them know that you moved house. Did you?

The 6 year rule is if they haven't chased you in 6 years. Perhaps they tried to chase you at your old address?

scullster

pinkshoes wrote: »

If you had a debt with Argos, it was your responsibility to let them know that you moved house. Did you?

The 6 year rule is if they haven't chased you in 6 years. Perhaps they tried to chase you at your old address?

Totally agree - I'd also check your credit rating with experian or equifax or equivalent

hippyadam

pinkshoes wrote: »

If you had a debt with Argos, it was your responsibility to let them know that you moved house. Did you?

The 6 year rule is if they haven't chased you in 6 years. Perhaps they tried to chase you at your old address?

Doesn't matter if they tried chasing at an old address. The Debt is statute barred if you haven't had any contact in 6 years or they haven't issued legal proceedings. They're outta time. OP doesn't have to pay.