BW Legal

over40debtfree

Hi, I am trying very hard to clear all my debt so that next year I can hopefully try and buy a house.  I have received a letter today from BW Legal on behalf of JC International Acquisition LLC in respect of a debt from 2015.  They are saying if I don't make contact I will get a CCJ. Obviously I don't want that but I am sure I read that after a certain amount of years you can't be chased for debt.  Before I reply etc be interesting to know thoughts. 

flipflopflo

When was the last time you paid anything towards the debt or acknowledged it in writing?

fatbelly

If there has been a period of 6 years when you did not acknowledge this by payment or in writing, then you have a defence that the debt is statute barred under the Limitation Act 1980.

They cannot just issue a ccj. They have to make a claim through the courts.

And before that they have to give you a standard letter and form giving you 30 days to reply.

If you get one of those, Debt Camel has a guide on how to respond to it.

Sounds like they are just angling for payment on a debt they know is statute barred, something they will not be allowed to do after 31 July.

You don't have to reply to anything except the 30-day pre-action letter, which may never come. If you do want to reply to this present letter send a prove-it .

over40debtfree

Thank you … oh I think I have acknowledged it in the last 6 years.  I also have had the 30 day letter from them re court order!  It is fine I can sort out a payment arrangement with them but just wanted to be clear about where I stood.

fatbelly

If you've had the 30-day letter and not responded, then you can expect a court claim to be the next thing.