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ACI and Verify chasing historic debt
vesparati123
Posts: 2 Newbie
The debt is from about 20 years ago - if not more and it does not appear on credit report.
As I have moved around a fair bit, how can I tell if there aren't any CCJs related to the original debt. I have been on the electoral roll for at least 7 years and I have not made a payment or acknowledged the debt for well over 15 years.
I'm worried that if I send the stat barred letter, I will just be confirming my address and identity?
As I have moved around a fair bit, how can I tell if there aren't any CCJs related to the original debt. I have been on the electoral roll for at least 7 years and I have not made a payment or acknowledged the debt for well over 15 years.
I'm worried that if I send the stat barred letter, I will just be confirming my address and identity?
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Comments
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Seems pretty likely this one, like most recent ACI purchases, is well statute barred.
If you want to be cautious just send a prove-it, see what comes back, then send a stat barred letter.
There's no way to find out if there was a ccj over 6 years ago. You have to assume if there was, they would have told you0 -
I`d send the prove-it letter first, see what they say in response.
From other recent posts on this company they appear to think a 20 year old debt is still live and collectable, and see no issues whatsoever in its collection.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 -
Ok thanks both. I will give the prove it letter a go.0
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