📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Life after a debt recovery plan

Options
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?  

Comments

  • fatbelly
    fatbelly Posts: 22,996 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    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.
  • sourcrates
    sourcrates Posts: 31,602 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    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.


    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-letter
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.