I took out a loan with Minicredit for £100 (minus their £20 for a faster deposit, so only £80!) in May 2011.

In July 2011 I offered to pay the original loan + one month's interest (£125) but never received a reply, but they did continue to add charges to the amount outstanding right up to them defaulting the account. The account defaulted with all their made up charges at over £800 by September 2011.

Opos/Kapama have chased this debt since some time in 2012. They stopped harrassing me by email and voicemail messages (I never pick up) last June 2017.

The debt fell off my credit files last September when the debt became Statute Barred.

Last week the phone calls started again. They are phoning almost daily and telling my voicemail I have until 8pm the following day to make contact. They are also emailing about my 'outstanding balance' that needs paying in full!

I know that this debt is Statute Barred, and if they bothered to read their own paperwork they'd know this too.

So, my dilemma is this... do I just ignore them as I have done for 6+ years until they get bored and stop again? Is there anything they can do if they are truly ignorant of the fact this debt is SB?

Or, should I let them know this debt is SB and tell them to get lost and not harrass me any further?

Any advice gratefully received, thanks.

they can ask for payment

you can equally ask them to go away

in E&W a debt being SB'd simply means the owner cant enforce a judgement nor threaten court

so they don't bother.

if you really want things to stop

and it IS 1000% SB'd

send our CONC SB letter from the debt collection section of our library

Thank you. I am certain it is SB'd, but I'll see how things go before I sock it to 'em with the SB letter/email. Coincidentally, I haven't heard anything from them since I originally posted...hmmm...!

If a creditor does try to collect a debt which is statute barred either themselves or with the use of a debt collector this would be deemed as harassment under Section 40(1) of the Administration of Justice Act 1970.

You can also inform the FCA of this practice quoting.....

CONC7.15

https://www.consumeractiongroup.co.uk/forum/showthread.php?426148-CONC-7.15-Statute-barred-debts

Andy