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old debt

freedom
freedom Posts: 71 Forumite
in Debt-free wannabe
my niece owes £500 to halifax when she was a student in 1999
she completely forgot and now an agency has made contact and is demanding over£1000
Is there somethng about a 6 year ruling on a debt..after that time the debt is written off
would be grateful for some advice

Comments

  • Valley's_girl
    Valley's_girl Posts: 736 Forumite
    Hi Freedom
    Sorry I don't have any advice for you but I am sure someone will be along shortly who will know.
    Ally xx
    Official DMP Mutual Support Club Member No 30
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Hi freedom - it is more than likely, provided that your daughter has made no written contact with the original creditor, nor made any payment towards the debt, in the last six years, that this debt is covered by the Limitations Act and is 'Statute Barred'.
    This means, basically, that, once you tell the DCA that you will not be paying the debt - they will be unable to continue with attempts to collect it.
    There is a template letter, on the National Debtline website - I will post the link later - which you should send to the DCA.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Sorry for the delay freedom - the letter that you need to send to the DCA is here:
    http://www.nationaldebtline.co.uk/england_wales/temp/7975_98121.pdf

    I wish you good luck.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
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