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I can finally be debt free but in sad circumstances :(
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thewiccaman wrote: »I have been in contact with [I hope!] all my creditors/DCAs including Link Financial who I owed £1600 to from a defaulted credit card from maybe 15 or more years ago, long since off my credit file .
Hi,
Well done for clearing the debt, i really don't want to rain on your parade, but if the debts were that old, and nothing had been paid for any period of 6 years, the debts would of been statute barred, and you would not of had to pay them anything..........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 -
sourcrates wrote: »Hi,
Well done for clearing the debt, i really don't want to rain on your parade, but if the debts were that old, and nothing had been paid for any period of 6 years, the debts would of been statute barred, and you would not of had to pay them anything..........
Thanks, Sourcrates.
I had actully been paying a token £5 a month up until last year and then cancelled the standing order and they started chasing me again so unsure if that qualifies as statute barred?
At least it's gone now.0 -
thewiccaman wrote: »Thanks, Sourcrates.
I had actully been paying a token £5 a month up until last year and then cancelled the standing order and they started chasing me again so unsure if that qualifies as statute barred?
At least it's gone now.
In that case the limitations act would not of applied, so you did the right thing.
Well done.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 -
What a lovely way to start a new year. Being debt-free must be nice....I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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Willing2Learn wrote: »What a lovely way to start a new year. Being debt-free must be nice....
It is, for the first time since I was probably 18, certainly the last 20 years.
The circumstances about how it came about are sad with losing my Mother but it is her gift for me to be able to do it.0 -
thewiccaman wrote: »It is, for the first time since I was probably 18, certainly the last 20 years.
The circumstances about how it came about are sad with losing my Mother but it is her gift for me to be able to do it.
I think she would be happy that you used the money wisely, and glad you have a weight off your shoulders
Onwards and upwards!
HBS x"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer0 -
heartbreak_star wrote: »I think she would be happy that you used the money wisely, and glad you have a weight off your shoulders
Onwards and upwards!
HBS x
Thank-you Yes, I think she will be. 0
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