UKAR Chasing Unsecured NRock Loan - Advice needed

Jackman77

Hey- myself and now ex partner took out an unsecured loan back in 2006 for £20k on top of a mortgage we had at the sametime
- all ok

- fast forward 1 year he then takes out a secured loan in our names, forged my signature (this is not why I am writing but just trying to give you some background)
he told me he would kill himself if I reported him
- we split up

only after 2 years did I then contact bank and said I didn't sign or agree to this
- they wouldn't back down,
police wouldn't pursue

the property was sold and the proceeds were swallowed up for his secured loan

I stopped paying the unsecured loan in April 2013 (when we split up we walked away and paid nothing)
I rented out property and we sold this end of 2013
there is nothing on my credit file for this unsecured loan that is now £16k

-I was able to obtain a mortgage 2016 no problems
I am now getting letters from a company working for the bank wanting payment of the £16k

- I had some correspondence with them back in 2016 and then it stopped

- my question is
do I have to pay this?
why hasn't this been on my credit files??
I hope I have explained properly


Has anyone else had a letter ?

I know it will be 6 years of non payment in April but as I had correspondence in 2016 would this be statured barred

foxy-stoat

Receiving correspondence does not acknowledge the debt. Just wait it out.

Jackman77

The correspondence in 2016 was from solicitors acting on behalf of NRAM (at the time I was getting a mortgage so I did respond to them to avoid any hitches on my new mortgage) and I need to dig out the letters but i did ask them to provide all information they had on the account
- they wanted an income and exp report which i never provided and i didn't agree to any payment plan
- and then the letters just fizzled out

Jackman77

I have just seen a letter dates Feb 2014 where I offer £8k full and final settlement - to which they refused - so that mean I have acknowledged the debt in the past 6 years -

Bermonia

By making an offer you have acknowledge and accepted that it is your debt - this will not be statute barred I’m afraid.

DCFC79

Jackman77 wrote: »

I have just seen a letter dates Feb 2014 where I offer £8k full and final settlement - to which they refused - so that mean I have acknowledged the debt in the past 6 years -

You have until next year which is when the 6 year period ends.