Debts over Six years old

user051105

I have two defaults both from 03/06/2000 with the same company, now I am in the understanding that if I have never paid anything or admitted liability these debts should now be Statute Barred, as over 6 years and 1 day has now passed.

These defaults are now 6 years 1 Month and 11 Days old, too late or not

Today I have recieved a letter dated 14th July 2006 giving me two days to pay theses debt's or they will issue a claim against me in my local court.

Are they just using sacre tactics, hoping I would simply pay because they said I need to, can they get a ccj for a debt so old and when I asked for Statutory Information in Feb06 they ignored my request.

Some advice would be good as it takes weeks to get an appointment with my CAB.

Thanks in advance

Tootsie_Roll

When did you last make a payment or acknowledge the debt in writing ?

Floss

Also does asking for Statutory information give them the right to start action? or do you have to acknowledge the debt first?

user051105

I wrote them a Statutory letter in Feb 06, asking for a true signed copy of agreement, a statement of account and stating I do acknowledge any debt to your company.

I have not paid anything or acknowledged these debts,

Tootsie_Roll

So you have never paid the debts or acknowledeged them - really ?

Can't answer your question unless have those details.

user051105

I have not paid or acknowledged these debts

impy78

Is it the same with CCJs?

I have actually satisfied the debts about 4 years ago, but the ccjs are from 1999.

MrsTinks

I thought the 6 year rule was if they hadn't managed to contact you within the 6 years? Ie they have 6 years to make contact to get the debt paid. As they HAVE contacted you within 6 years of the last contact (debt occuring) then you'd still owe the money. But I could be wrong...

Macduff_3

impy78 wrote:

Is it the same with CCJs?

I have actually satisfied the debts about 4 years ago, but the ccjs are from 1999.

Providing the CCJ is satisfied, it is removed from your credit file 6 years after the date of the judgement.

sportbeth

tine wrote:

I thought the 6 year rule was if they hadn't managed to contact you within the 6 years? Ie they have 6 years to make contact to get the debt paid. As they HAVE contacted you within 6 years of the last contact (debt occuring) then you'd still owe the money. But I could be wrong...

No. It's all about the OP admitting the debt or making a payment within the 6 years.

MrsTinks

sportbeth wrote:

No. It's all about the OP admitting the debt or making a payment within the 6 years.

Trust me to get it muddled :rotfl:

Cheers for clearing up the confusion for me Beth