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6 year statute barring ?
TheMsTeal
Posts: 331 Forumite
Hi All. Just need some advise re 6 year statute barring . I recently received a letter from a debt collection firm saying I owe on a debt. I have paid or am in the process of paying all my debts and I don't recognize this one. Would it be best to ignore the letter, if the debt is less than 6 years old & I reply that would be the same as saying I am responsible for it & they would start chasing me?
So should I just ignore it or not?
So should I just ignore it or not?
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Comments
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Either ignore, but they might not go away, or send a prove it letter https://forums.moneysavingexpert.com/discussion/2607247. This will not mean you acknowledge the debt.0
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OK thanks, my credit file is clean, no mention of it and there are no dates in the letter, that is why I am a bit hesitant to reply to them in case it turns out it is something I owe from less than 6 years ago. I will wait to see if they send another letter.0
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The provit letter is carefully worded so as not to acknowledge any debt they are writing to you about.
That's why we always suggest that as a first step.
See what comes back.I’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 -
Ok I will try it. Thanks.0
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