Advice on Statute Barred needed please...

meltonlad

ok peeps i will try my best to explain this....

i was talking to a bloke the other day and he was going on about Statute Barred which i had never heard of. so ive done some searching on here and my brain is fried with info over load !!

when i was younger i was silly with money, credit & loans going back to around 2001 onwards... so upon reading up on here ive dug out a old Credit Expert Report from October 2007. now i know i have to sort out the CCJ's to which i have 3 but im still unsure of when it turns to Statute Barred.

Back in 2005 i went through Bains & Ernst Ltd to try and pay them all off but it was soon clear they was taking most of the money to cover costs so i stopped it in early 2006 so would that count as paying of the debt ??

reason i ask is that on my Credit Report it states.....

started default balance current balance Defaulted on

Jan 01 £100 £100 19/01/05

Aug 01 £8,308 £7'322 22/10/04

March 03 £4'293 £3'783 22/10/04

Aug 00 £558 £481 24/01/06

Oct 02 £533 £506 08/12/04

Jun 99 £4'604 £4'794 27/11/06

Nov 92 £1'188 £1'035 19/05/05

Now even thro i have made payments to Bains & Ernst in 05/06 would this still make the Statute Barred count on all but one of the above ?? im still getting letters asking for payments and also offering me 50% discount on the Debt if paid within 14 days but ive not responded to any of the letters nor have i ever wrote to any company admitting any Debt's.

many thanks guys

Heffi1

It does not matter when the default is put onto your file, the Statute Barred bit comes into play if you have not paid money to or acknowledged the debt in writing to the company for 6 years or more. (5 in Scotland)

poppasmurf_bewdley

And a debt can't become statute barred if a CCJ has been served on you for the debt.

Tixy

If B&E wrote to your creditors on your behalf (and you'd provided details of this debt) then that would could as acknowledgement - as would any money paid from you to B&E and then on to this creditor.

If the last payment was early 06, and you have not acknowledged the debts since then any without CCJs would be statute barred.

meltonlad

Tixy wrote: »

If B&E wrote to your creditors on your behalf (and you'd provided details of this debt) then that would could as acknowledgement - as would any money paid from you to B&E and then on to this creditor.

If the last payment was early 06, and you have not acknowledged the debts since then any without CCJs would be statute barred.

Is there any way i could find out when the last payment was made ?? or would i have to ring B&E and ask them....

Tixy

Can you not tell from your own records? old bank statements or online banking?

If not then I guess you would need to contact B&E to see if they still hold that information.

Don't ask a debt collector - they won't tell you the truth and sometimes make up entirely ficticious payments.

steve198

Heffi1 wrote: »

It does not matter when the default is put onto your file, the Statute Barred bit comes into play if you have not paid money to or acknowledged the debt in writing to the company for 6 years or more. (5 in Scotland)

Does the 5 years in Scotland only count if you stay there or if the debt is from Scotland

Tixy

steve198 wrote: »

Does the 5 years in Scotland only count if you stay there or if the debt is from Scotland

Someone living in Scotland when the credit agreement was taken out (or debt incurred if its not something with a credit agreement).