Old debt following me round

Tixy

If there has been a 6year period where no payments were made (to anyone creditor or DCA), no written acknowledgements were made and there is no CCJ then the debt is statute barred

Once it becomes statute barred legally it can never stop being statute barred. Thats the law, once statute barred, always statute barred. SB means the debt still exists but you do not legally have to pay it.

So was there 6years between original default and when you started paying again? This is the important timescale and you need to work it out. It sounds like there was, in which case you would send the SB template letter (see here - http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act)

Until you send it they are allowed and will hassle you for the money.

vaporate

AnxiousMum wrote: »

and if all debtors paid their loans back, then we would all be able to save money, as fees and interest could be lowered, and we could borrow properly instead of like in recent times - when lending to the normal person virtually stopped.

So, yes, it's money saving - pay your loan back so the rest of us don't have to on your behalf.[/QUOTE]

In other words, you want the OP to suffer and pay back some money that he might get away with so that you can be better off lol.

Bernie_Flint

Anyway al-209. No matter what you do. It would appear the DCS is going to hound you to the ends of the earth. Just as it should be.

Amen, and Halleluja, another pykey loan dodging [EMAIL="tw@t"]!!!!!![/EMAIL] found.

woody01

seeing as this is a site dedicated to saving money, unless you have any tips for me saving money, i dont want to hear it.

Money saving is very different to scamming advice......which is what you are after.
If you dont want to hear it them dont post.

Mr.Mulla

Pay your debt, and move on. Then you don't have to avoid it anymore.

sparrer

al-209 wrote: »

seeing as this is a site dedicated to saving money

So save the money and pay it back. The size of the company and their 'ability' to pay your debt is irrelevant. Your being a thief isn't.

gazfocus

While I'm not going to jump down your throat like many others have done, I really do think you should think about paying this debt back. I have debts that are almost 6 years old and I am still looking to get them paid off.

All I'm saying is, is it worth running away from the debt just so you don't have to pay it?

al-209

Bernie_Flint wrote: »

Anyway al-209. No matter what you do. It would appear the DCS is going to hound you to the ends of the earth. Just as it should be.

Amen, and Halleluja, another pykey loan dodging !!!!!! found.

How dare you call me a pykey [EMAIL="tw@t"]!!!!!![/EMAIL]? Its ok for you lot to hound the banks into lowering their charges, but its not ok for me to refuse to pay pack usurious interest charges when i dont LEGALLY have to. Get a grip you self righeous nob

vaporate

Chill guys. OP, do what is in your best interest, nothing less.

woody01

seeing as this is a site dedicated to saving money, unless you have any tips for me saving money, i dont want to hear it.

But you are not looking for tios to save money.
You are looking for advice on how to dodge a debt you owe. That's head towards theft not money saving.
Also, if you don't like the responses then don't post. It's a public forum.

This site seems HELL BENT nowadays on welcoming all kinds of pond life and advising them on how to dodge legitimate debt!

It's people like the OP, that DELIBERATELY dodge their liabilities and make it worse for the rest of us.

In other words, you want the OP to suffer and pay back some money that he might get away with so that you can be better off lol.

That's about the strength of it!
Why should i be worse off for someone that doesn't pay their bills?

If them being broke means more money in my pocket (and people such as me that actually pay their bills), why should i care?