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New Here - advice on old debt please!


debs4th
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Hiya, ive spent the last few years getting lots of debt out of the way, ive just been reading through alot of your advice and i nowthink i have one debt i dont have to pay, I had a letter form Buchanan clarks and wells about a debt to barcleycard wihch i had in 1999/2000 it says purseuers are Cabot financialeurope limted and the amount is just over a grand - the actual debt what i remember was £500 ish, I rang up and have a arranged to pay back £40 a mth, but i now wish id waited as from reading things on here im not sure if i have to pay it with it been old/????? any advice - now that i ahve made a payment is it just tough luck to me im a bit confused!!:Cry:

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if the limitations period of 6 years (in england) has run its course, then no new payment will restart that limitations period running.

 

The questions are:

1. Did you spend an entire 6 year period without acknowledging the debt in writing and,

2. Did you spend an entire 6 year period without paying them any money?

 

If you can answer both questions "yes" you are not legally obliged to pay them any money.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hi, i dont think i hadany contact - im not 100% how do i found out - should i ring up who ive paid -if so what do i say or do i just not pay any more , ps thanks for your help

:)

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write to bcw.

 

The letter needs to go summing like this.

 

Dear sceeming idiots,

 

re acc no XXXXXXXXXXX

 

I DO NOT ACKNOLEDGE ANY DEBT TO THIS COMPANY.

 

tELL

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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write to bcw.

 

The letter needs to go summing like this.

 

Dear sceeming idiots,

 

re acc no XXXXXXXXXXX

 

I DO NOT ACKNOLEDGE ANY DEBT TO THIS COMPANY.

 

tell them it is statued barred then tell they were to go.

 

sequenci will be able to help u with a letter.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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it's written contact debs :)

 

the great thing about the limitation act is that the burden of proof is with the creditor to Prove you have had contact, i.e. they would have to have had a letter of admission from you.

 

 

just made a little corrrection for ya:lol: :lol:

 

i take it you wrote that before your morning cuppa

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yer that does sound like a good idea paul. Might use that as my answer phone message.

 

sequenci were do u work?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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yer that does sound like a good idea paul. Might use that as my answer phone message.

 

sequenci were do u work?

 

I work for one of the major debt counselling charities/money advice organisations , it wouldn't take a rocket scientist to work out which one.

 

:-D

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or rite.

 

|Nice to no i might get threw to u one day.lol.

 

Any way Paul i hvae decided to use your answer fone message on my mobile and home fone. Not that DCAs call either of them as they would need to no the correct number to call me not hte one it got changed to.lol.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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i dont know to much lol that is why i am on here. Debs you are welcome

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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