Letter received re debt from 2011

hueygeorge

Hi All
I have received a letter from Rockwell re a debt with HSBC from 2007. As far as I am aware the debt was paid off in 2011 - long story but in a nutshell I got a loan for an ex - he assured me he had paid it off in 2011, I didn't hear anything else from them and was busy being pregnant therefore didn't check too closely - not hearing anything though put my mind at rest that it had been paid.
Anyway, it looks like it hasn't, so what is my best course of action? Do I offer a repayment plan? Its for £4k and I'm a single parent so it won't be a massive amount each month. Am I right in thinking though that as long as I am offering something I won't get the bailiffs etc coming around? I was thinking around the £10 per month mark
Thanks all

FireWyrm

Who's name is on the loan? Yours or your ex?

Voyager2002

Before you make any payment or put anything in writing, check whether it could be statute-barred. I am afraid that you will need to spend a bit of time reading the information available elsewhere on this site.

hueygeorge

Oh its in my name - well done me!! Not my smartest move but hey-ho.
Where could I get the info for the statute barred?
Thanks for your help

hueygeorge

Found the statute barred info - I am fairly sure I made a payment in 2011 though so guess I am exempt from this - !!!!!!!

sourcrates

I would first respond with a CCA request to the DCA.
This is a request for a copy of the original credit agreement, approx. when was the loan taken out ? was it prior to April 2007 ?, it could help your case if they are not able to produce the required paperwork, you may be able to negotiate a better deal with them.