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10 Year Old Catalogue Debt
bennydordy
Posts: 18
Forumite
I have just received a letter from a debt recovery agency about a catalogue (Fashionworld but changed now to JDWilliams) debt from 10 years ago.I have not had any contact about this debt in all that time.It is for £1500....Would this debt not be statute barred and what would my next steps be.I am in Northern Ireland..Thanx in advance for any help.
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Comments
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Next steps ? sending them the statute barred letter I would assume.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-letter1
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Another silly question @sourcrates...what would happen if I just kept ignoring there letters,could it end in a court appearance?0
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bennydordy said:Another silly question @sourcrates...what would happen if I just kept ignoring there letters,could it end in a court appearance?
Not SC but possibly. It is up to you to tell them it is SB to stop the collection process. However they probably know and will not and it would be a valid defence. Easier to tell them though. (depending on the company and what they might make up).
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For the price of a stamp, you can save yourself -
(A) Some money
(B) A lot of hassle
(C) Any chance of court action
(D) Piece of mind that its sorted.
Why wouldn`t you send the letter ?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-letter3 -
Aye you're right sourcrates....I'm the kind of person who just burys the head in the sand and hope it goes away......I've seen the SB templates,would I just use the one for England...cant see any for people from N.Ireland0
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It's still 6 years but different legislation.
The Limitation (Northern Ireland) Order 1989
The stepchange letter works for all jurisdictions (not Scotland)
https://www.stepchange.org/Portals/0/documents/info/Statute-Barred-Template-Letter.pdf?ver=2016-04-14-162947-590
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Hello again,it's been a while.What are the rules about moving house when owing a debt.We moved house when all this was going on(13 years ago)but never informed any of the company's we owed money too.We have started to receive letters at new address for a couple of debts from old address.Are they still statute barred?? @sourcrates @fatbelly i am in northern ireland
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I will respond on your new thread and close this one down as its 5 years old now.
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-letter1
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