Query on Statute barred debts

spacey2012

GeorgeUK wrote: »

What i was wondering with regard to sending the letters though, is it safe to send your signature to the Debt Colection Agencies?
George

:eek::eek::eek::eek::eek::eek::eek::eek:

NEVER !

newhomenow

Hi Tixy

No nothing sent yet thought i'd better get advice first! So if i send the other letter not acknowledging the debt but saying if there was it would be statute barred, and they write back saying i made a payment 5.5 years ago, could i just wait for the full six years then send the letter again? Or in sending it will the 6 years re-start even if the template letter says i do not acknowledge this debt? I'm wondering if i should just send letter as i have no way of finding out exactly when the last payment was madr

Tixy

I would send the hybrid letter - if you send that then you haven't acknowledged the debt and reset the clock.

If they do come back with a repayment much later that you believe you made one - then don't just accept it is correct, it is not unknown for debt collectors to invent convenient payments to make it appear as though the debt is not SB.

newhomenow

Hi Tixy

Jason again I decided to get a copy of my credit file it looks as though the loan was taken out in may 2007, and as far as I can tell payments ceased in sept 2007, so obviously not at the 6 year point yet, What is best to do now?