Old Credit Card Debt

skeane1973

Back when I was young and care free I got into debt with BarclayCard. This debt about £2000 and it moved onto a debt recovery firm, I paid it for a while but when I received no feedback I stopped and never heard from them again.

This debt has since been removed from my Credit Report as it was from 1998 (date of default). Last week I received a letter from McKenzie Hall saying that I owed the debt again?

Is this correct I thought after 6 years that was it? Or is it different for Credit Cards?

Any advice or experiences would be appreciated

Thanks in advance

Simon

duncans-mum_2

Statute Barred
A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account.

Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970.


If you want more in depth info, try putting statute barred in google and have a look.

skeane1973

I will Google thanks for the tip.

Basically as I've had no contact for over 6 years (from anyone) and the debt has been removed from my credit report I don't have to pay and should advise McKenzie Hall (quoting the legal stuff) and see their response?

Thanks Again

Simon

duncans-mum_2

I would do it in writing, and keep a copy of the letter.

vics_1982

duncans-mum wrote:

I would do it in writing, and keep a copy of the letter.

I second this, perhaps send it recorded delivery aswell.

rog2

skeane1973 wrote:

Back when I was young and care free I got into debt with BarclayCard. This debt about £2000 and it moved onto a debt recovery firm, I paid it for a while but when I received no feedback I stopped and never heard from them again.

This debt has since been removed from my Credit Report as it was from 1998 (date of default). Last week I received a letter from McKenzie Hall saying that I owed the debt again?

Is this correct I thought after 6 years that was it? Or is it different for Credit Cards?

Any advice or experiences would be appreciated

Thanks in advance

Simon

The template for the letter that you need to send is on the following post:

http://forums.moneysavingexpert.com/showthread.html?t=309647

MH seem to be busy this month - perhaps they're worried that some people are looking forward to Christmas. :mad: :mad: