Has my debt been written off?

sweetintuition

I was really dumb in my 20s and ran up a lot of debt through various loans and credit cards.

I've been consistently paying them through debt management for about 5 years now but I have only just realised that one of these debts (for about £5k) was somehow left off the payment plan.

I've not made any payments on this one particular debt in about 5 years nor have I received any payment demands for it. I have not changed addresses so I'm not sure what's happened but the payment demands have just stopped. Is it possible it's been written off?

I know it's cheeky but I'd rather not go chasing around to find out what happened to the debt if it could potentially "go away"...

Has anyone else had a similar experience or any insight?

sourcrates

Hi,

It's unlikely to of been written off, more likely to of been deemed unrecoverable, or they may just of gone quiet, right up until just before the 6 year limitation period, then they will hit you with a court claim.

PixelPound

So that debt was taken out when you was at your current property, and you have checked your credit files to see if it is on there? Any claim documentation needs to be served to the last known address, and if you have not moved then there is no reason to send it to elsewhere. It's just it could have gone quiet and then sold on when they realise the 6 year limit is approaching. A DCA could buy it and get papers issues right up until the 6 year limit (they could buy for a pittance and it might be worth the risk of paying court costs if there is a chance they could then chase you for £5K) though they have to write to you first and give you time to reply.

National_Debtline

Hi there,


I would agree with the other posters and state that this debt can still be enforced in the county court for another 12months and leaving it without a payment plan may encourage court action.


Unless you have requested it be written off and received a written response accepting this, realistically it is not written off. It may have gone quiet but that doesn't mean they can't try and chase the debt again later.


Have a chat to your debt management company about how this debt may affect your DMP and options in general.


Laura
@natdebtline

sweetintuition

I have just signed up for a credit score company and it appears the debt is not on my credit score. So I'm not sure how that even happened.

As far as the 6 year limit - is this 6 years from the START of the debt? It's certainly been well over 6 years (more like 10) when I first took out this loan.

iolanthe07

as far as the 6 year limit - is this 6 years from the START of the debt?

It is six years (5 in Scotland) from the last acknowledgement or payment.

fatbelly

If it's now 5 years since the last payment or acknowledgement then if you're in Scotland it is now statute barred.

If in England, 12 months to go. Don't poke it with a stick at this point.

It may have dropped off your file because it has been more than 6 years since it was defaulted.

If anyone writes to you about it (not email or phone) then post again