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Debt after 6 years period still being chased
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my debt is spent, sent the letter but now getting people coming to my house no idea they could go that far0
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Could we have a few more details please.
How much?
When last paid?
Company?
etc.If you go down to the woods today you better not go alone.0 -
The limitation act allows 6 years for a lender to chase a simple contract debt, after that they can still chase the debt, and you must respond with the correct letter, as you have done.
The debt does not go away, all the act does is prevent legal action from being taken, they can technically still chase the debt, however more recent FCA guidance has stated lenders must take heed of a statute barred debts status, acknowledge that they are statute barred, and cease all collection activity.
If collection activity continues, make a formal written complaint, don`t engage further with anyone who may call on you, was it a Resovecall rep or similar?
They can be ignored, the more you rattle their cage the sooner they will desist.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-letter0 -
Oh ok yes the debt over 10 years. Ok i did not know it just regards legal but they can chase forever. Yes it was a resolve rep0
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