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Being chased for a debt from 2007
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HelloYouW
Posts: 2 Newbie
I have just had a text from Lowell and it looks like they are trying to call me too about a bank loan I had with HSBC. I genuinely do not rmeemebr
0
Comments
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I messed this up straight away
anyway, I am skint and there is no way I can pay this back. The text says £4900 and as much as this is probably real, (cannot believe I am having to ask) but do I really have to pay this back after so many years? Thanks 0 -
No, tell Lowell it is statute barred, see
https://nationaldebtline.org/get-information/guides/statute-barred-debts-ew/0 -
You don`t need respond to texts, if they can be bothered to write to you, then write back and tell them its statute barred.
The limitation act gives creditors 6 years to chase bad debts, in your case that deadline was passed over a decade ago.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 -
Whatever happens don't admit to the debt. And if you write to them to tell them that as you have no knowledge of the debt they should not be holding any of your data and need to delete any phone number or any other way of contacting you with immediate effect.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
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