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Life after a debt recovery plan
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Sir_Bob
Posts: 3 Newbie
I had a debt recovery plan which ended in 2013 with partial settlements. Thankfully, I no longer have debt issues and am very much back on track. However, I recently received a letter from a debt collection company informing me that they had taken ownership of my account and they asked me to send proof that the agreement was settled.
As it is now 10 years ago, I can't actually find the folder that I had with the debt management plan - I think I got rid about 4 years ago, when I thought it had ended.
Naturally I have disputed this claim, and will continue to do so, but there are two issues 1). Is it permissible to hold data on a partially settled debt for more than 10 years? and 2). Is it is permissible to seek to reclaim that debt after more than 10 years?
If it isn't a breach of GDPR then I just want to alert people that this can happen and to not get rid of any paperwork related to partial settlements.
Could someone please advise on what anyone in a similar situation to me should do, if I am unable to find the letter accepting the partial settlement?
As it is now 10 years ago, I can't actually find the folder that I had with the debt management plan - I think I got rid about 4 years ago, when I thought it had ended.
Naturally I have disputed this claim, and will continue to do so, but there are two issues 1). Is it permissible to hold data on a partially settled debt for more than 10 years? and 2). Is it is permissible to seek to reclaim that debt after more than 10 years?
If it isn't a breach of GDPR then I just want to alert people that this can happen and to not get rid of any paperwork related to partial settlements.
Could someone please advise on what anyone in a similar situation to me should do, if I am unable to find the letter accepting the partial settlement?
0
Comments
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Unless there was a court claim already started on this, then it would be statute barred after a period of six years with no acknowledgement.
There is a letter that you can send in the stickies I think.0 -
The answer is yes, they can do anything as long as its legal, but obviously there are measures in place to limit such activity.
The DCA is trying it on, what a surprise.
Limitation period is 6 years, as they are well aware, send the statute barred letter and that should put it to bed.
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