Old debts

Vaughfitz

I have old debts, one which is 20 years old othere are old store cards
They have been sold on severely times I have made  no payments on them for almost 6 years, I understand will be statute barred when six years have lapsed.  I have offered payment on a CC J J have which is 13 years old which they did not accept I have now had a letter from resolve a call saying they want to visit me at my property to connect to put me back in touch with these debt collectors 
I am so scared I do not want anyone at my door I will not discuss any of my finances with anyone Help what can I do

sourcrates

Simple, don`t answer the door, there only self employed collection agents, and I think there threatogram template letters are a tad out of date, and don`t take into account the threat due to covid restrictions, I don`t think anyone will actually be knocking on your door, not just yet anyway.

If they did, just speak to them through the window, or letterbox, they have no more power of entry than you or I do, and unwanted guests at the door are deemed to be trespassers, so they are no threat whatsoever.

Simply inform them politely that you do not do business at the door and will engage with them by letter only, in fact if you write to resolve call now and state you want contact in writing only, any visit by a field agent will be a breach of the DPA/GDPR.

How old is the county court judgement ?

Vaughfitz

thank you so much for the advice the CCJ It's about 12 years old compartment has been made since 2016 

Vaughfitz

Sorry predictive text,  it should say no payment made on CC J since 2016 

sourcrates

A judgement that old would require court approval to further enforce it.

I would say, that a court may think 12 years is time enough to do so, unless you have been hiding on the moon that is !!

Although CCJ`s do not go statute barred, they must usually be enforced within 6 years, otherwise as stated above, court approval is necessary.

Vaughfitz

You have put my mind well at ease thankyou do very much