15 year old debt questions.

mikeythepikey1 Forumite Posts: 6
Part of the Furniture First Post Combo Breaker
Please firstly let me apologise if I have posted to the wrong section I am new to this forum.

To cut a long story short I took out a loan for a previous partner a few years ago (idiot I know) just under £2000 was owed.  

This partner left not long after and left me in a bit of a mess. I did pay almost £6000 of joint debts we had off but I was still left with this £2000 debt. 

It was taken out at my previous address in 2008. Not long after I left this address and have since moved 4 times. 

Fast forward to 2023 I get a letter from a company called CAPQUEST at my current address saying they have now basically bought the old debt and are chasing it. 

I'm really looking for some advice I've heard terms like statute barred whereas if you haven't heard from a creditor for 6 years it changes the circumstances or something but I'm really not experienced in this kind of thing.

I am a single father working full time if I have to I will pay the debt via a payment plan but if there's anything I can get done to help me wipe or reduce the debt I would love to know as I really struggle to live day by day as it is. 

Any help or advice would be massively appreciated as I'm terrified that bailiffs are going to turn up and take my things and my kids things. 

Thanks in advance


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