Debt almost Statute barred, just heard from Scotcall!! Please help

Fizzy_kel

Hi, any advice would be appreciated!!

I received letters about this debt in early 2009, from one company, then sold/passed to another etc, ignored all never heard until now. The debt defaulted in may 2005 and is due to be statute barred this may (2011).

I received the normal red doorstep collection threat letter from Scotcall today.

What do I do?? So near yet so far!!!

KingElvis

Keep ignoring them unless they start proceedings for a ccj.

Or you could juts pay back what you borrowed? the choice grasshopper is yours.

Tixy

You could ignore it? Or you could write to them with the prove it letter? or if you wanted you could arrange a repayment plan with them?

What makes you think it will be statute barred in May this year? The statute barred date is not linked to the default date, its linked to the last time you paid anything towards it or acknowledged in writing that you owed the money.

So if you paid anything after May 05 then it wouldn't become SB until after that date. However it might also be that you last paid towards it in say Feb 05, they then registered a default in May 05, if that happened to be the case the it could already by SB.

Fizzy_kel

Tixy Hi

To be honest I'm not sure exactly when I paid last. Def not since may 2005! All I know is thats what it says with Equifax. Acc opened 2003. Then 2005 as default.

How will I know for definate?

Tixy

Unless you know when you last paid then you won't know for definite. You could guess that it might well be SB by now, but I wouldn't send the letter until you are as confident as you can be.

So - If this is the first letter they have sent you could easily ignore it. If they send another in a month then probably you could wait say another couple of weeks before sending out a prove it letter (only send the prove it letter template as specifically it doesn't acknowledge you owe the money). Then by the time they have responded to that, wait another week or so and hey presto you are probably at the end of May and you could then feel confident to send the statute barred letter.

In a situation like this where it is likely already SB that is what I think a lot of people would do, effectively spin the correspondance out until you know for sure it it.