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i took out car finance in 2001 defaulted after six months and agreed to return the car to finance company in august 2001, today my parents who i was living with recieved a letter addressed to me, my dad opened it (both got same name) and it was a letter saying i owed the finance company six thousand pound, my question is can this be enforced after this length of time i have recieved no correspondence from them since car was returned thanks

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I think it's safe to say this debt is Statute Barred after this length of time.

 

Write and tell them to jog on

 

Send em this (if you live in england)

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

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check the rules on timebarred debts first

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You should probably also check your credit file to see if they have registered a CCJ against you, in those circumstances I believe there is no statute limit.

“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

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Actually a CCJ would've dropped off your credit file after 6 years, but still worth a looksy ;)

“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

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