Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
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    Default How long is debt 'valid' for?

    Hi there, i was just wondering how long debt is 'valid' for and how long companies can chase you for it?

    My wife has a few outstanding debts for non essential things (club book/credit cards) and are all between 4 & 5 years old.

    She originally tried to set up payment plans with the companies involved but they would only do this for a few months before demanding more than she could pay or the full amount. She was in a position where she couldn't afford to pay these things (or more than she was offering).

    She was contacted today by a company who've obviously bought the debt from one of the companies and they were saying they'll reposess the house, court proceedings etc. And although we're not overly worried about this as it seems par for the course, realistically we're 12-18 months away from being able to contributeicon substancial sums toward the debt, but at that point (in my mind) they should have pretty much passed the 6 year mark.

    Is it right that debts get written off after 6 yearsicon, and also, if it is, is it 6 years from the original point where the debt 'happened' or deos the 6 years start all over again if the debt is sold to another company?

    Many thanks in advance for your help.


  2. #2
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    Default Re: How long is debt 'valid' for?

    It is six years from the date of your last contact regarding the debt, be that a payment or correspondence.

    The debt is not written off as such but is deemed unenforceable.



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  3. #3
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    Default Re: How long is debt 'valid' for?

    It's 6 yearsicon from the last payment or acknowledging the debt in writing.

    Each payment within the 6 years will re-set the 6 year clock


  4. #4
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    Default Re: How long is debt 'valid' for?

    You can check to see whether the debt is enforceable by sending a CCA Requesticon to whoever is claiming payment; http://www.consumerforums.com/resour...request-letter Include a 1 postal order and send recorded delivery. do not signicon the request.

    When you get them back if you scan them remove identifying details and post them up we'll check them over for you. If they are unenforceable or they fail to provide them within 12 working days from receipt you can legally cease payment.

    Anthrax alert at debt collectors caused by box of doughnuts

    Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

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  5. #5
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    Default Re: How long is debt 'valid' for?

    Quote Originally Posted by supasnooper View Post
    It is six years from the date of your last contact regarding the debt, be that a payment or correspondence.
    That's not strictly true. Only a payment or correspondence that actually acknowledges owing the debt will count.


  6. #6
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    Default Re: How long is debt 'valid' for?

    Thanks for the responses guys



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