Gothia and Property Charging Order - Help please!

Barry1108

Hi, I have received a letter from a solicitor called Largo Law who are acting on behalf of Gothia (who I had never heard of until this letter).
They are claiming that I owe in the region of £4000 for a debt on a car I bought in 1995. The debt they say is from 1997, I presume thats when I last made a payment. It is no longer on my credit file and I thought was Statute barred.
They say they are trying to get a property charging order on my house - I am not even sure what this is, but I also would like to know if they are within their rights to do this?
The debt is 13 years old!! I had problems at the time which meant I was unable to pay it, but am I still at risk now?
Please could someone give me some advice as I am worried what will happen now, especially when my home is threatened.
Thank you in advance....

RAS

Was the car finance a secured loan?

Have you checked with the Registry Trust to see if they have a CCJ against you?

Barry1108

RAS wrote: »

Was the car finance a secured loan?

Have you checked with the Registry Trust to see if they have a CCJ against you?

I didnt even buy the house until 2005 so it cant have been secured against that.
How do I check?

Barry1108

OK I just checked on the regsitry website, there is nothing at all registered against me

England and Wales Orders & Judgments

NOTHING REGISTERED

England and Wales High Court Judgments

NOTHING REGISTERED

England and Wales Fine Defaults

NOTHING REGISTERED
Do I still need to worry?

RAS

OK, there is no CCJ against this debt.

Was the car on hire purchase or secured loan (secured debt) or was it an unsecured loan (unsecured debt).

Barry1108

RAS wrote: »

OK, there is no CCJ against this debt.

Was the car on hire purchase or secured loan (secured debt) or was it an unsecured loan (unsecured debt).

I really dont know to be honest, but I didn't have anything to secure it against.
I presume it was unsecured

David_Brent

Sounds like scare tactics to me!! I would follow the Statute barred route -template letter is in this forum.

RAS

When you buy a car, you can secure the loan against the car, which means the company can repossess it if you do not pay up. They have 12 years to chase secured debt.

However, if you think this was unsecured debt, then this statute barred, as there is no CCJ they can enforce against it.

Write them a standard SB letter. Do you have one?

Barry1108

RAS wrote: »

When you buy a car, you can secure the loan against the car, which means the company can repossess it if you do not pay up. They have 12 years to chase secured debt.

However, if you think this was unsecured debt, then this statute barred, as there is no CCJ they can enforce against it.

Write them a standard SB letter. Do you have one?

Hi again, only just got back online. No I dont have one, where can I find it?
Thanks for your help.