Capquest Threatening Bankruptcy on a 10 year bank debt !!!

Jayne_Morgan_123

I had a loan in 2000 with RBS and one for one reason or other I changed banks and forgot about it!! I have since got married - 7 years ago and had forgotten about the loan until last year I recieved a letter from Capquest to my maiden name regarding the unpaid amount. I have today just been served with papers in my maiden name for a bankruptcy order!! I have spoken to them once about 6 months ago about this but apart from that there has been no conact with any one for about 9 years - can they do this to me!!! What can I do as I am a stay at home mum - was made redundant on maternity leave so not out of choice -hubby is on minimum wage and we have other bills etc to pay and I really dont want to be bankrupt for 2k!! HELP

DEVONLIFE_2

Hi
what a nightmare.. I would say this is statue barred as its over 6 years old. Would suggest you PM Never In Doubt. Best of luck but on the face of it I would say you have little to worry about. One of the team with more experience will be along shortly to help.

RAS

Jayne

if you have neither paid anything towards or acknowledged in writing in the last 6 years, unless there is a CCJ, this debt is statute barred. they can threaten all they like but if they try to make you BR, you can defend the case completely.

even with a CCJ, if there has been a 6 year break, they cannot pursue it wiothout court permission and that is unlikely. Links to follow.

RAS

Hi

Read this http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

And send the letter at the end (assuming you are in England and Wales).

fermi

Jayne_Morgan_123 wrote: »

I have today just been served with papers in my maiden name for a bankruptcy order!!

By a process server, or just sent through the post?

Is what you have received a statutory demand or an actual bankruptcy petition?

Jayne_Morgan_123

thank you, it was hand delivered personally this afternoon

Jayne_Morgan_123

and a statutory demand

RAS

Are you in England or wales?

Do you know if there is a CCJ for this debt?

Jayne_Morgan_123

I am in England and no CCJ that I am aware of

RAS

have you checked the Registry Trust, lists all CCJs? Includes those that have fallen off your credit record.

Jayne_Morgan_123

Hi I wasnt aware of the Registry Trusts - how would I access it please?