Statute barred debts and the Limitation Acts

Hi,
To cut a long story short, i had a number of debts in the early 2000's and was using CCCS to pay them off, a small amount each month as income was very low.
Got a letter from the court last friday saying that a judgment for claimant has been awarded against me for one of the debts to Nationwide (passed on to Lowells many moons ago).
I never received the court form, if i had i would have replied and stated a defence. Plus i think the debt is statute barred because the last payment CCCS made to Lowells was in April 2007 (according to my bank records).
I sent off 2 days ago on the advice of debt line an N244 form asking for it to be set aside, stating i did not receive the form and i think it is statute barred.
My question is how long before i have to wait before i hear anything?
I got a letter today from BW Legal stating the CCJ and saying unless i contact them with payment etc they will enforce action.
Worried about bailiffs etc , any advice greatly received.

Hello, just been reading through this thread and just wanted some advise before I make my next move...

I had some debts with Lloyds (2 loans, 1 CC & a Current Account) which according to my credit file are now settled but are showing as active with L o w e l l s - from the moment I defaulted on these I have never spoken or wrote to Lloyds or the debt collecting agency and any correspondence that is sent through gets returned as not at address.

I am not proud of the debt I ran up, i was going through a bad time lost my job and was unable to make re-payments.

The 2 loans last had a payment made in October 2008 but don't show as defaulted until July 2009 and are owned now by Lowells.

The CC was last paid during November 2008 but doesn't show as default until July 2009 and is again owned now by Lowells.

The current account shows as default July 2009 (again owned by Lowells) but i am sure at the time this would of been around November/Dec 2008 as they whipped a minimum CC payment from my bank account sending me overdrawn - i quickly opened a new bank account with Abbey so the current account debt could only be made up of unauthorised overdraft charges caused by them taking money from my bank (this is the problem with a CC being from the same company as your bank account!).

In light of the above, come this October (2014), would i be able to write to them as the debt is over 6 years using the Status barred template letter within this thread?

When and if they do acknowledge its over 6 years, obviously they would stop chasing me so would that then be the end of the matter or could another debt agency buy the debts and me then have to write to them? - If they acknowledge its over 6 years old, would this then show as settled on my credit file and how long would that take?

I have avoided all contact with them Lloyds/Lowells since the very last payments were made, i have had umpteen debt agencies chasing over the years but i just return the letters back, i changed my mobile so they couldnt ring and my parents just dont answer the land line to numbers they dont recognise.

What i dont want is to write a letter and then for it to rear its head again.:mad:

Reddevil555 wrote: »

Hello, just been reading through this thread and just wanted some advise before I make my next move...

I had some debts with Lloyds (2 loans, 1 CC & a Current Account) which according to my credit file are now settled but are showing as active with L o w e l l s - from the moment I defaulted on these I have never spoken or wrote to Lloyds or the debt collecting agency and any correspondence that is sent through gets returned as not at address.

I am not proud of the debt I ran up, i was going through a bad time lost my job and was unable to make re-payments.

The 2 loans last had a payment made in October 2008 but don't show as defaulted until July 2009 and are owned now by Lowells.

The CC was last paid during November 2008 but doesn't show as default until July 2009 and is again owned now by Lowells.

The current account shows as default July 2009 (again owned by Lowells) but i am sure at the time this would of been around November/Dec 2008 as they whipped a minimum CC payment from my bank account sending me overdrawn - i quickly opened a new bank account with Abbey so the current account debt could only be made up of unauthorised overdraft charges caused by them taking money from my bank (this is the problem with a CC being from the same company as your bank account!).

In light of the above, come this October (2014), would i be able to write to them as the debt is over 6 years using the Status barred template letter within this thread?

When and if they do acknowledge its over 6 years, obviously they would stop chasing me so would that then be the end of the matter or could another debt agency buy the debts and me then have to write to them? - If they acknowledge its over 6 years old, would this then show as settled on my credit file and how long would that take?

I have avoided all contact with them Lloyds/Lowells since the very last payments were made, i have had umpteen debt agencies chasing over the years but i just return the letters back, i changed my mobile so they couldnt ring and my parents just dont answer the land line to numbers they dont recognise.

What i dont want is to write a letter and then for it to rear its head again.:mad:

After 6 years with no acknowledgement the debt would be SB, if anyone writes demanding payment after the SB date, you reply with a letter stating its statute barred.
once SB always SB, that should then be the end of the matter, if any further DCA tries to collect on it you simply remind them of its status.