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Home Visit Letter from LINK dated 25th November 2025 for Unenforceable Debt

Want2BeDebtFree
Want2BeDebtFree Posts: 52 Forumite
Eighth Anniversary 10 Posts Photogenic
edited Today at 12:45AM in Debt-free wannabe
Hi guys;

I received the attached letter from LINK on 25th November 2025 stating they are potentially going to pass the account to their "Reconnections Team" who will asses the account for a "HOME VISIT" to my house.

Long story short [and detail of the background of the debt].  The history of this debt is that I have it in writing from LINK that as of 25th January 2018 the debt is unenforceable.  They state in the January 2018 letter that:  QUOTE:  "We wish to clarify that your Section 77/78 document request was received on 21 December 2017 and we issued a request to original creditor on the same day.  Unfortunately we have yet to receive the requested document from the XXXXX and therefore can confirm that as of 25 January 2018 your account is currently unenforceable until which time we are able to provide you with the documentation." (End Quote).

Obviously once I had it in writing that the debt was unenforceable I ceased ALL communication with LINK,  and stopped ALL payments upon advice from this Martin Lewis website,  and also on the advice of STEPCHANGE.  And have simply been filing all of LINK'S letters to me in a big folder in date order.  I have a big stack of them.  But I've not written to them, not rang them,  not emailed them,  and not texted them.  I have still not received the proof of the debt, or the original contract. 

So the advice I need now;  is when they come knocking at my door - what do I do?  Do I answer it and show them all of the letters from LINK, and point out where it reads "Unenforceable"?

Or do I not answer the door?

Or do I answer the door and just video them with my phone and keep quiet?

Would opening my mouth, and chatting to them "re-establish" the debt,  and damage the chances of it becoming Statute Barred?

Or is it ALREADY Statute Barred (?) as its nearly 8 years.. 

I have NOT communicated with them in ANY way since January 2018.  So if they come knocking at my door in January 2026 then 8 years will have passed with ZERO communication on my part to LINK.

I just want to do the right thing.  

Thank you

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