Old debt - any advice?

sourcrates

cluelessnurse said:

Thanks everyone. Sourcrates I live in England, and yes, long since dropped off.  I regularly look at my credit file and it is now fair to good. No defaults, no CCJs. I know they can't add another default and have never sent me the original agreements but I am scared they might get heavy and send me a CCJ.  Can they do that still? Are these debts enforceable? Maybe I should just make the plan with them and pay it, which also scares me as the cost of living atm is so ridiculous...  

No one just sends a CCJ.

They must follow the civil procedure rules, which will start with an LBA (letter before action) which would be an opportunity for you to ask for evidence of liability, which they likely don`t have, and for them to offer terms, it has a 30 day return window, so you will have plenty of warning of upcoming legal action.

No evidence equals no liability in basic terms.

Also according to your dates, it has about another year or so to run till it becomes statute barred (at last) I would not do anything else unless the aforementioned LBA drops on your doormat.

A year from now you will have a statute barred defence to any new claims.

cluelessnurse

Thanks again! OK, I'll stand my ground and see what happens!