TO DO BEFORE STATUTE BARRING

wannabeskater

Hi, I have tried to read as many threads as possible but still have a question.
Background: In the past (2018) I had CC debts that I couldn't pay & they defaulted 17/1/2019. After many letters &  phone calls, due to pressure from my wife and a gift from a family member, I repaid all except one CC. She thinks it is morally wrong not to repay debt
I thought I had paid them all, ignoring any subsequent letters. I have ADHD & am quite disorganised.
To the point..I recently had a statement letter from OPUS concerning a Nationwide CC debt that defaulted on 17/1/2019. I know this is close to being statute barred.
What should I actively do next? Anything?
All advice gratefully received 
M

DjangoUnchained

if its close to being statute barred totally ignore anything unless you get a proper letter befor claim.

wannabeskater

Thanks..I'll go read up about letter before claim now

sourcrates

Absolutely no morals where money is concerned, Banks lend you money they never had, which you pay interest on and they make a packet, what`s moral about that???

Ignore unless you get an LBA, any acknowledgment in writing will re-set the clock.

fatbelly

wannabeskater said:

Thanks..I'll go read up about letter before claim now

Read here

https://debtcamel.co.uk/letter-before-claim-ccj/

Sounds like if you can get to the end of Jan 2025, this one's gone.

wannabeskater

Sourcrates I am with you on that one. Think I'll just tip toe my way to January! Thankyou
Fatbelly thankyou..so helpful. Hopefully won't need