Old debt recently chased

tattanumedde

Hi all, again a question about statute barred debts.
I have been recently contacted by a DCA agency for multiple references of accounts and credit cards all dating back to 10 years ago. I have never made contact to them nor made any payments. Can this debt be considered statute barred?

fermi

Sounds quite likely as long as none are a mortgage debts or had a CCJ granted.

See for info: https://forums.moneysavingexpert.com/discussion/2606811

tattanumedde

Hi Fermi, thank you for your prompt response.

No mortgages but not sure about CCJ. Is there a way to check that out?

fermi

You can check the registry trust, but it does cost to do so.

Credit reports may also show recent ones, but they are notoriously fickle and may not show them up anyway.

However, I would think that if a CCJ existed, it would be very very odd if any chasing debt collector did not mention it. Unlikely that they would miss the chance to make threats saying that "we have a CCJ and will apply to enforce it if you don't pay".

tattanumedde

fermi wrote: »

You can check the registry trust, but it does cost to do so.

Credit reports may also show recent ones, but they are notoriously fickle and may not show them up anyway.

However, I would think that if a CCJ existed, it would be very very odd if any chasing debt collector did not mention it. Unlikely that they would miss the chance to make threats saying that "we have a CCJ and will apply to enforce it if you don't pay".

I see.
Will send a SB letter back, I have seen a template browsing the forum. Thank you for your help.

Lensman_2

No harm in that as you are not aware of any CCJ. Come back if they dispute your letters - we can advise further.

A link to save you searching:
https://forums.moneysavingexpert.com/discussion/2606811

tattanumedde

Thank you Lensman, will keep you posted as soon as I have news.