Telogram?? H L Legal Solicitors?? But have a good credit report!

missy1981

Hiya all, havent posted before but need a bit of advice.. I had a letter from a company named Telogram, asking me to get in touch as they need to update their records with my details, they had my old address on the letter and wanted to verify that i live at the address where i now live at... I dismissed it as it sounded very dodgy. A few days later, i recieve another letter, this time from H L Legal Solicitors, basically I had not responded to Telograms letter so my details had been passed on etc and if i didnt respond by the 6th april then they would basically send the baliffs round.... Well, I checked my credit report today, and well, there is nothing on there that seems to be a miss... I havent lived at my old address for coming up to 6 years now.. Could this be an old debt chasing me even though there is nothing on my credit report about it???? Can a debt be wiped after so many years????

I also did a search on H L Legal solicitors and they are basically a company that write you 'official' looking solicitors letters.. Is that allowed?? Can somebody make out that they are someone that they are not?? (if that made any sense???? Lol)... any help or advice would be great.. Thankyou xx

fermi

They can't send in bailiffs without a court order that you have defaulted on, so that is most likely a load of rubbish.

Also a debt that you have not acknowledged in writing or by making a payment for a period of 6 years (5 in Scotland) is "Statute Barred". That means that they are no longer entitled to take action against you to enforce the debt.

After that length of time they are also not entitled to enter any adverse information on your Credit Reference Files.

Have a read through the link below that applies to where you live.

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

Link: Factsheet | Liability for debts & the Prescription & Limitation (Scotland) Act 1973

If you think that this is a debt that is that old and is therefore "Statute Barred" then if you need it there is a letter at the end of each link to write.

As you have worked out, letters from HL Legal are normally scare tactics generated automatically for about 75p a go.:rolleyes:

A small note. The limitation period for mortgage shortfalls is 12 years not 6.

tealady

Hi Missy. Please follow fermis advice, do not respond to companies "fishing" for information. If they think you owe money then the onus is on them to prove it. Don't ring them or write to them

RAS

I was going to respond the bublee, but I think I will just report it as misleading.