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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
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.
A smile enriches those who receive without making poorer those who give
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?
