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Old debt - How to close

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Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    I would think the CCA might well not be available - she could send a template letter with her £1 fee to moorcroft.

    One other possible option - was there a period of 6years between her last payment to littlewoods and her first payment or written acknowledgement to moorcroft? If there was then the debt would be statute barred. If its statute barred she does not legally need to pay and cannot be taken to court.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • RAS
    RAS Posts: 36,539 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    donnap83 wrote: »
    ;)

    But you're right about paying up or getting a CCJ


    You are both wrong.
    If you've have not made a mistake, you've made nothing
  • DarnIt_3
    DarnIt_3 Posts: 294 Forumite
    edited 21 July 2011 at 5:38PM
    RAS wrote: »
    You are both wrong.


    I am fairly sure about that (but I have been known to be wrong before :p)
    A ccj can be issued if defaults on payment plans occur even if the default is over six year as the account is not statute barred. But if you know something I don't I would love to know to stop me telling people what I deemed to be correct.
    29th June -Beginning Credit Score 422 :( £2575
    12th July - Credit score 471 :p
    22nd August - Credit Score 550 :p Still very poor just but only just!
    Remaining to pay off: £1370.95
  • RAS
    RAS Posts: 36,539 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    yes, but if you have half a wit, on a debt this old you can force the creditor into admitting that they do not have the legal documentation required to succeed in court.

    And if they do go to court, they probably end up getting even less per month.
    If you've have not made a mistake, you've made nothing
  • gowenlewis
    gowenlewis Posts: 3 Newbie
    Thanks for all the advice

    What is CCA?....guess its something like "Credit ? Agreement"
    I see somewhere about sending £1 to request
    Anything more I should know

    Regards
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    Consumer Credit Agreement
This discussion has been closed.
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