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Letter after not hearing for a long term
inacrisis
Posts: 105 Forumite
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0
Comments
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Hi,
Please try and do a little research about what debt collectors can and can't do, they need court orders to do any of what you list.
Once a debt drops off your credit file, nothing can bring it back.
The bonus for you is that, if, as you say, you haven't paid or acknowledged this debt for 8 years, it should now be statute barred, and you won't have to pay it (look up Limitations act 1980).
You need to send a copy of this letter to them :
https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspxI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
If you're not sure that this is the old loan and their letter is not making it clear (they should do) then you could precede the statute barred letter with a prove-it.
https://forums.moneysavingexpert.com/discussion/26072470
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