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TO DO BEFORE STATUTE BARRING
wannabeskater
Posts: 3 Newbie
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
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
0
Comments
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if its close to being statute barred totally ignore anything unless you get a proper letter befor claim.1
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Thanks..I'll go read up about letter before claim now0
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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.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-letter1 -
Read herewannabeskater said:Thanks..I'll go read up about letter before claim now
https://debtcamel.co.uk/letter-before-claim-ccj/
Sounds like if you can get to the end of Jan 2025, this one's gone.0 -
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 need0
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