Being chased for an old debt over 15 years old 14 March at 12:38PM in Debt-free wannabe challenges 4 replies 105 views

Ronvanbot2013

Hi, I've recieved a letter from resolve call for a credit card debt which they obtained from capquest, I've not heard anything on this debt for more than 15 years and as far as I'm aware I've never been given a ccj concerning it I'm just wandering where I stand

elsien

Check your credit files to see if there’s anything on there about a CCJ.
If nothing has happened in the last 15 years, then the debt will be statute barred. 

Not sure if it’s best to ignore them or send them a prove it letter.

Ronvanbot2013

Thanks,that's what I've been lead to believe, I'm sure there isn't as I've turned things around and qualified for a mortgage last year

elsien

More information on here, including a "you're out of time" letter if you want to send one, 
Fact Sheet - Statute barred debts | Time limits for recovering debts | National Debtline

Ronvanbot2013

Thanks for your help