Letter Of Claim from Kearns Solicitors

ZoeB23

Hi, 
After some advice on my next move. I've received a 'Letter of Claim' today from Kearns Solicitors for a loan I originally had from Lloyd's in 2012 but was then assigned to Link financial in 2018. They have provided a reply form which has 4 sections. The first section being 'Do I owe the debt'. I know had the loan and admittedly I did come into financial difficulties, stopped paying it buried my head and hoped that was it once I got the default on my credit file.
I'm not sure now how to fill this form out? Do I admit to the debt, or dispute it because I believe it's statute barred? 

DE_612183

isn't it up to them to prove you owe the debt rather than you admit to it?

ZoeB23

DE_612183 said:

isn't it up to them to prove you owe the debt rather than you admit to it?

I'm assuming they know this already though? They included the amount due and the account number etc

RAS

That's irrelevant.

If the debt is statute barred, the debt still exists, but the only defence you need is that it is statute barred.

However, you don't want to be admitting this debt if it is become SB in three weeks time.

We are seeing a LOT of Letters before Claim from Kearns atm. Maybe just trying to frighten people into paying, or confusing them into re-setting the limitation period.

Grumpelstiltskin

When did you last pay it?

ZoeB23

Grumpelstiltskin said:

When did you last pay it?

Honestly, I can't remember. It's definitely a few years I believe because I had a payment plan 

Grumpelstiltskin

I wonder if it is getting close to 6 years ( assuming  you live in England or Wales ) and this is their last attempt before it becomes Statute Barred.

ZoeB23

RAS said:

That's irrelevant.

If the debt is statute barred, the debt still exists, but the only defence you need is that it is statute barred.

However, you don't want to be admitting this debt if it is become SB in three weeks time.

We are seeing a LOT of Letters before Claim from Kearns atm. Maybe just trying to frighten people into paying, or confusing them into re-setting the limitation period.

Should I then maybe consider ticking the box that I dispute the debt with the reason being I believe it is statute barred? 

ZoeB23

Grumpelstiltskin said:

I wonder if it is getting close to 6 years ( assuming  you live in England or Wales ) and this is their last attempt before it becomes Statute Barred.

That's exactly what I'm thinking. I'm thinking to answer with 'I dispute the debt' with statute barred being tm reason?

ManyWays

Also ask them to produce CCA agreement for the loan, as well as asserting that it is statute barred. 

ZoeB23

Grumpelstiltskin said:

When did you last pay it?

I've just found some paperwork, and I last paid in March 2021 to Wescott before Link Financial were assigned it.