Statute barred debt but friend just received a confirmed resident letter...help!

Helpingafriend_2

Please help

My friend has asked me for advice but I'm not sure what she should do.

She has a statue barred debt and every few months she received a debt letter from a different company but she has just received a confirmed resident letter from Frederick International and now she is panicking. What would be the best thing for her to do? She is scared debt collectors turn up at her door.

Any help would be greatly appreciated asap.

Thanks

~Beanie~

Fredericksons (or any other debt collectors for that matter) have no rights even if they do turn up, they are not Bailiffs. She can tell them to get lost. Statute barred means that you cannot be taken to court for the debt but it doesn't mean that they can't chase you for it.

McKneff

Beanie is correct. If the debt is statute barred, it doesnt mean that she doesnt owe it, it just means the debt is unencorceable.

She could either send a statute barred letter and tell them any furhter contact and she will report them for harrassment.

Or pay them what she owes.

fermi

Appropriate letter in this link if needed.

https://forums.moneysavingexpert.com/discussion/2606811

Very unlikely any doorstep collectors will call. But if they do, they are not bailiffs. You can tell them to get lost. If they won't or cause hassle then call the police.

fatbelly

The important point in the letter is that you are aware of OFT guidance which states that it is unfair to

•continue to press a debtor for payment after he has stated that he will not be paying a debt because it is statute barred.

The creditor has had six years to take court action. They are out of time. They can get lost. The OFT, FOS and courts will back you in that stance.

I'm sure your friend has better things to do with her money than pay some DCA ten times what they acquired the account for.