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6 weeks till statute barred status
Comments
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Says start date August 2015, no payments made at all, first would have been due after say 30 days, so its likely to have become statute barred in August this year, makes no odds if the debt was sold or not, means nothing in terms of the limitation act.
I`d go with the statute barred defence here, however you could stall them with a "provit" letter, by the time they get around to answering that, it`ll be well into January.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 -
Do you mean if it went as far as county court then use statute barred as my defence? I really could do with getting original Doc's from them without admitting anything just to make sure0
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No, send the provit letter to them, it always takes anywhere up to 3/4 months to get a response from the original creditor, which will take you well past the default date, account will be put on hold till they do respond to you, when they do respond, write back telling them its statute barred, job done.chrischillin36 said:Do you mean if it went as far as county court then use statute barred as my defence? I really could do with getting original Doc's from them without admitting anything just to make sure
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-letter2 -
Thanks so much for your advice. I will get that printed and sent off.0
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Apologies. Do you have a link for a prove it letter? I can't seem to find it.0
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Sending a prove-it doesn't reset anything
Responding to a pre-action letter the way we would tell you, doesn't reset anything.
And the courts will use that default date, following Doyle v PRA Group, assuming you haven't acknowledged the debt since.1 -
Thank you so much for yours guys help. I will follow the advice given to a t. I just need to find the template. I have seen one but from 2014. If that's still current then I'll utilise that.0
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It's in the stickies here
https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
Still current.1 -
Maybe delete that image from yesterday. Too much information
We've got it that the default date is 28 Jan 20163
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