Not quite statute barred and being chased

Tixy

Culex wrote: »

I'm not so sure. If you read section 6 of the Limitation Act 1980, you'll see that for loans of an indeterminate period (such as overdrafts and credit cards) the limitation period would start when the lender sent a written demand for repayment.

In this case, that's surely going to be some time after the last use of that card in August 2005.

I believe that subsequent to the act case law and then OFT debt collection guidance has determined it has to be an action by the debtor, not by the creditor. Certainly I am sure that the date of the default notice is not relevant when it comes to determining if a debt is statute barred.

now

He can obtain his credit file online, it is important that you try to understand who is chasing what as if CCJs have been applied to his record they will remain until settled. Is your partner living at your address?

Companies now have the ability to trace people via gain which is recorded on his CR file, try to seek help from one of the debt charities and better understand what is owed to who as stressing is not good for you or your children.

You can't just walk away from debts and if you have no means to pay it back then you need to seek help, they are not allowed to bully but if they did find him and it ended up in court the judge might not be to happy as it could be held against him, on the other hand if steps have been taken to sort it out then it is better all round.

I was declared BR and thought it would be the end of the world but I am out the other side and in 4 and a half years will have a clean slate. Please try and talk to one of the debt charities ASAP, you do not have to say who you are but at least you will know what to do

Good luck