Two letters demanding money

jojogirly

I have had two letters this morning from 1st credit demanding debts from an old bank account with HSBC, They amount to over £10000.

They are addressed to my maiden name and since I have been married 9 years are quite old debts. I know they have been trying to find me for some time as they have been sending letters to my Mums address (she never game them my address) So now they have found me and its for so much they are not about to let it drop and yet I am not in the position to offer them 50p let alone 10k.

I permanently feel like I am fighting a losing battle. I have enough problems trying to stay of bankruptcy as it is, sorry just feeling rubbish right now.

Any advice please

GeorgeUK

Do you know when the last payment made to the account would have been? If more than 6 years ago, the debt is probably statute barred and unenforcable.

jojogirly

The last payment I made was probably between 9-10 years ago but they told my mother in a letter that they had a ccj and that this was still enforcable?

barnaby-bear

GeorgeUK wrote: »

Do you know when the last payment made to the account would have been? If more than 6 years ago, the debt is probably statute barred and unenforcable.

Not if she didn't move her address and has been in hiding....

stapeley

HI , If they do in fact have a CCJ , you need to request proof . That is the first step . But never ring them , conduct everything by letter only . Do not sign any letters , and only refer to the " alledged debt".

You could as a first step reply to the letter , I presume they are using maidan. by just referring to the ref no on their letter saying there is no one at your address with that name . Put no other details .

jojogirly

They say in the letter to Include £10 in a reply to get the details on the account?

GeorgeUK

A debt becomes statute barred after 6 years from the date of last payment or written acknowledgement of the debt. If there is a CCJ on this debt, this can be enforced for a further 6 years, after which they would need to petition the courts again to be allowed to enforce this debt.

mrcow

jojogirly wrote: »

They say in the letter to Include £10 in a reply to get the details on the account?

Don't you dare! (now I've told you lol!)

Don't make ANY payments to this company in acknowledgement of any debt orany other reason.

stapeley

mrcow wrote: »

Don't you dare! (now I've told you lol!)

Don't make ANY payments to this company in acknowledgement of any debt orany other reason.

Could be they will take that £10 as a payment to the account , thus invalidating the time barr . Try my advice , second bit.

louise0502

barnaby-bear wrote: »

Not if she didn't move her address and has been in hiding....

Could someone confirm and expand on this please

MrsTinks

For proof of a CCJ you could contact the courts they claim to have obtained the CCJ through... they should be able to confirm or not if a CCJ has been issued.