can they recover a 7 year old debt

HEATHER13_2

hi their can anyone help me
i have just recieve a letter off a debt recovery agency asking me to pay a debt that my husband caused 7 years age with a catalogue in my name:mad: ,it is for £454.i phoned the debt agency and explained the situation and the instantly made an offer that would save me £136 if i paid in full that day.my now boyfriend says not to pay as the debt is over 5 years old is he right and should i forget this debt.hope someone can help i'm starting to worry that it will give me a bad credit rating or even blacklist me.

petermb_2

If the debt is in your husbands name and he is no longer with you, I Would agree that this is not your responsibility.

SemperFi

HEATHER13 wrote: »

a debt that my husband caused 7 years age with a catalogue in my name:mad:.

So it's in the OP's name.

I think that statute barred means a debt will be *cancelled* after 6 years of zero contact. I may be wrong.

petermb_2

sorry missed that. Yep If you have had no contact in over 6 years the debt is statute barred.

elvis_girl

Are you divorced Heather? If so and the debt is in your exes name then forget about it as its not your problem. Even if you're not I alsothought it was 6 years & then the debt was written off. Have you not had any other letters from them in the past 7 years?

HEATHER13_2

thank you for the reply
the debt is in my name but what i realy want to know is,is the fack that the debt is ovr 7 year old have they got a right to claim it back

harryhound

An ordinary commercial debt is dead after 6 years of no action BUT beware of the possibility of getting into negotiation during the 6 years as this acknowledgement could start the the 6 year clock all over again.
Just refuse to speak to them.l

davetrousers

elvis_girl wrote: »

Are you divorced Heather? If so and the debt is in your exes name

RTFM! It is in th OP's name.

asea

what does RTFM mean?

CLAPTON

read the following write up on the nationaldebtline web site... there is also a proforma letter you can use.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

harryhound

asea wrote: »

what does RTFM mean?

Assuming that you don't already know, it is a probably misogynist term, from the male dominated computer systems industry and probably dates back about 50 years and was imported from USA ?

A new system would be devised and training courses organised, staff would go on week long drunken jollies in a country house to learn how to use this wonderful new technology INCLUDING THE MANAGERS.

Everything would start off OK, the staff would have their new forms and a wonderful manual complete with an index.

Then on day 5 (say) a healthy female manager, the sort of person who would not be able to change a flat tyre in the Sahara desert if her life depended on it, would come simpering on the 'phone saying "I've got something from the Computer a week ago - It reads "Management report of miss posting errors", what am I supposed to do with it; can you sort it out for me?"

The support Information Technology person would reply "I think you will find that question is covered on page one "Daily Responsibilities" of your red management manual; let me know if there is something you don't understand".

Then two things would happen:

The IT person would turn to his colleagues, and remark "Another time wasting RTFM query". (Read The..............ual")

The IT manager would get a snotty memo complaining that his staff were
"unhelpful".

The 'phone-in "help" desk industry had been born.

Harry.

Time to get back on thread..............