statute barred and administration orders

lilpunkkitty

hi everyone, I was reading about the statute barred debt thing on another thread, and I am confused, I understand it applies if it's after 6 years of non payments etc, but would it cover my situation?
Basically I have debts from 2000 and recently I applied for an administration order, then I moved and due tot his my a/o messed up, there was a big mis-understanding and the court revoked my admin order, as I didn;t actually contact the companies myself do I still qualify for the statute barred debt stuff or does it count as contacting them?

fatbelly

That would count as acknowledgement of the debt, though if there had previously been a period of six years of no payment, the debt would have become statute barred at that point and, once barred, it stays barred. The ccj does not become statute barred as such but any enforcement of it is expected to take place within 6 years of the order or permission will be required from the court.

Admin Orders are rare beasts now and never were that common. However, as a CAB worker who deals with people with very low income and usually small debts I used to do quite a few of these prior to April 2009. I haven't done any since because I found that everyone who qualified for an AO also qualified for a Debt Relief Order, and paying £90 in instalments at the Post Office before submitting a DRO was easier than paying £10 (typical payment) per month to a local court for 36 months under an AO.

However, they may be making a comeback as you can only have one DRO per 6 years and we are now finding people who have completed a DRO, got further debts including a ccj and need an insolvency solution again! I don't know if that is you.

So after this ramble you will have to decide from among these options:

• ignore everything, see what happens
• pay token or low pro-rata offers to creditors who get in touch
• assert 'statute barred' to creditors who get in touch
• get an instalment order on your ccj using an N245
• get another AO
• do a DRO

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