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Statue barred help/advice

Taylorbees65
Posts: 24 Forumite

Morning all
Need some advice , I had a debt with MYJAR £800 from 2013 , I have been hassled by a company in the first instance called ACI , I wrote to them in October 2022 using the template stating the debt was statue barred , They never acknowledged the letter , They carried on sending emails trying to claim the debt , Then in in the last couple of months the emails have been coming from a company called TM Legal services , The email have been getting stronger and today i received one stating they are pressing for a CCJ , Now maybe stupidly i contacted them saying the debt was statue barred as i have had no contact with me for than 6 years , They have stated i made a payment to MYJAR of £2.21 in 2017 ( but couldnt give me any details) and the latest default was 2018 so its only 5 years and it goes from then , They proceeded to tell me that as i have contacted them today the debt claim starts from todays date again , Is this correct ? I feel they are trying it on.
Please advise
Thanks
TB
Need some advice , I had a debt with MYJAR £800 from 2013 , I have been hassled by a company in the first instance called ACI , I wrote to them in October 2022 using the template stating the debt was statue barred , They never acknowledged the letter , They carried on sending emails trying to claim the debt , Then in in the last couple of months the emails have been coming from a company called TM Legal services , The email have been getting stronger and today i received one stating they are pressing for a CCJ , Now maybe stupidly i contacted them saying the debt was statue barred as i have had no contact with me for than 6 years , They have stated i made a payment to MYJAR of £2.21 in 2017 ( but couldnt give me any details) and the latest default was 2018 so its only 5 years and it goes from then , They proceeded to tell me that as i have contacted them today the debt claim starts from todays date again , Is this correct ? I feel they are trying it on.
Please advise
Thanks
TB
0
Comments
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sounds like they are trying it on. Tell them to prove you made a payment for £2.21. contacting them doesnt start the statute barred by asking them to prove the debt.1
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DjangoUnchained said:sounds like they are trying it on. Tell them to prove you made a payment for £2.21. contacting them doesnt start the statute barred by asking them to prove the debt.0
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Verbal contact can never count as acknowledgement. It must be in writing or by payment.
Tell them you will defend any claim.
Ps. Why would you make a payment of £2.21?1 -
I have just got home and I have received a 30 day letter from them asking for income and expenditure etc and that this is pre-court proceedings0
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Taylorbees65 said:I have just got home and I have received a 30 day letter from them asking for income and expenditure etc and that this is pre-court proceedings
How to reply to a Letter Before Claim about a debt · Debt Camel
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-letter3 -
It doesn't matter when the default was, what is relevant is the date of the last payment or written acknowledgement. Given how far we are into the year, there's a 66% chance that this is statute barred even if you paid £2.21.
Unless they are arguing that your statutes barred letter reset the clock?If you've have not made a mistake, you've made nothing1 -
TM Legal is a specialist law firm authorised and regulated by the Solicitors Regulation Authority.
Oh dear. Blatant lies / misrepresentation of the law by a regulated company.
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What do you mean by 'latest default'? When was the first default?0
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fatbelly said:What do you mean by 'latest default'? When was the first default?0
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First default would have been around 20130
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