Hello all Wondering if anyone can help i will be honest here about 7 years ago i was up to my eyeballs in debt getting stressed i decided to stop paying them all mistake reallly should of spoke to them but seemed good idea at the time and i have ignored debt collection agencys during that time only one company went to court and obtained a ccj which has been getting paid ever since only 8 more years to go before thats paid off. Anyway recently i have got a new bank account and have been able to get credit builder credit cards to try and improve my credit rating and would like to get a house in a few years. anyway my question is even though i have status barred debts with halfax, tsb,barclaycard if i try in future for any kind of credit with these compants will this debt show as still been owed to them and get chased up for it and will i always be refused from these companys unless i paid the debt off . hope that makes sense

I know this forum is great massive weight off my mind will make a donation to site, reading threads the things people do for free for others is great. the Site should be funded by the government as its a public service in my opinon

hello all, i have sent two letters recorded delivery, standard ones from the internet, i have heard nothing since, even though i have asked for confirmation that matter is closed should i leave it, or should i chase for confirmation

sorry thank you maroon for reply

just to add recently i made a agreement with one company to a repayment plan, but it was after 6 years and i havnt paid anything yet can i still use this statue on that one or am stuck with that now i have called them

hello all i have ignored all letters from debt collecters aking for payments from debts during last 7 years i recently just read about statute barred debts , does this only apply when companies havnt contacted me for 6 years or can i still use this statute because i havnt paid any money or acknowledged the debt. Hope that makes sense thanks in advance for replys Ged.