Default about to turn into a CCJ

Marktheshark

What is going on on the debt board ?
She should have been instructed to check the initial default date was her last communication or payment and request the CCA.

takman

Marktheshark wrote: »

What is going on on the debt board ?
She should have been instructed to check the initial default date was her last communication or payment and request the CCA.

Some people actually like to pay the money that they legitimately owe!. Not everyone tries to use "technicalities" to avoid money they know they owe.

MatJ33

No - the last payment made would have been around 2010 - that's why I believe it may be SB. And I know because the debts in my name that I have to sort it - not doubting that. But the fact that I have never had any communication until recently is what bugs me - because by that point it was already in Lowells hands - with over £200 of added fees. What I meant by never dealing with them - is that I have literally never spoken to them. And from what I can gather from this site, if you have had no contact regarding a debt that hasnt been paid in over 6 years, then it is statute barred? Or am I getting that wrong. What I'm saying is - debt was taken in 2010, few payments made to provident, then payments stopped. Some years later Lowell bought the debt and have, from what I can tell, been chasing it. But not chasing me. They are now chasing me, for a debt I believe to be over 6 years old. They are threatening CCJ. My question is simply - if it is a debt that has not been discussed with myself in over 6 years - is it still a collectable and enforceable debt?

PixelPound

Fees added by whom? Lowell, sounds like they are already going down the ccj route already

PixelPound

Mat, just so I'm getting this right. You co-signed with an ex, moved away and I suppose never told provident, went out of the country, came back and when lowell's traced you you are moaning that you have not received communication in the meantime.