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Please Please can someone clarify 6 yr rule


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I am being threatening with legal action by DCA. The debt is definitely over 6 years. Thought best to start new thread though asked about letters before.


Can I still send the DCA the 6 year rule letter? Can you clarify that it is 6 years since contact/payment with the original debt company?


I know people have answered such queries before but replies differ and I am now more confused.


If legal action is threatened- and I have not written any letters to them before- is it still ok to send the 6 yr rule letter. Or is it too late?

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6 years since last payment into the account is the rule.

If theyr telling you defaults count, they are lying.

Someone will be along shortly more knowlegeable than me though to confirm, im sure.

question everything!

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If there has been no payment or acknowledgement of a debt in any 6 year period(5 years in Scotland), the debt is statute barred

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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