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Debt write off?

hannah01
hannah01 Posts: 26 Forumite
Hi, I was wondering if anyone had their debts written off after so many years and if so how? Also did anyone get any money back?
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Comments

  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    Where do you live? And can you give some information specific to your situation?
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • DCFC79
    DCFC79 Posts: 40,610 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    hannah01 wrote: »
    Hi, I was wondering if anyone had their debts written off after so many years and if so how? Also did anyone get any money back?

    Who are your debts with ?

    How old are they ?
  • I live in leeds. The loans are with black horse, everyday loans and welcome finance
  • I've had the debt for 10 years. What information do you want?
  • When did you last make a payment towards them or otherwise acknowledge them? More than 6 years ago?
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    If you live in England, debts become statute barred after a period of time, usually six years after the last payment / default date.

    This doesn't mean they're written off. You still owe the money. (That's why I was asking, as in Scotland they are written off) They just can't pursue you for it through the courts and effectively you can ignore any letters they sent out.

    What makes you think you would get money back?
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • My last payment to them was 1st feb and my next is coming out tomorrow. My boyfriend just mentioned something about them being written off after a certain amount of time so thought I'd ask.
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    If you're still making payments to them, they won't write it off. Why would they?
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • No. Debts are basically there until they are paid off.
  • Only asking. Thanks
This discussion has been closed.
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