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Old debt
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Lorna2810
Posts: 2 Newbie
Hi I went bankrupt approx 19 years ago , but yesterday I realised a letter from.capquest saying I owe £1164 . 64 . I worried a bit as I haven't had any debt since my bankruptcy. So I phoned them up today and it was from the year 1999 . 25 years ago . Shop direct . Anyway he said if I could prove my bankrupt then he cold see what he cold do . But just got in from work and looked for all my papers and I'm sure I've thrown them away ? I mean it was 19 years ago . I don't usually harbour stuff that long . Is there anyway I can find out now about my bankruptcy records ?? Thank you
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Check on London gazette website. Other option is to send statue barred letter2
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Throw letter in the bin just a try on nothing they can do.2
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The debt was covered by your bankruptcy, and even if it hadn`t been, it went statute barred donkeys years ago.
You don`t have to prove anything, never ring debt collectors either.
Send a letter stating the above, tell them you will lodge a formal complaint if they do not drop the matter.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-letter4 -
Thank you all. Much appreciated0
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Shop direct from the 1990s? They probably never got a signed agreement in the first place, apart from it being statute barred and covered by bankruptcy.
That's the least valid debt you could possibly have. If they phone again just keep laughing until they hang up.4
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