Getting worse again.

[deep in the whatsit]

I checked my credit file and they show nothing so i presume all statute barred and thats the end of the matter.

 

Last letters were around june this year. But i ignored them. I should return them really saying statute barred

and go away.

 

It would take many hours to scan them all. There is still a large pile. RED / Lowells several letters on the same day sometimes.

 

It would be a nightmare trying to sort out which debt they are chasing on some letters, rather vague sometimes just a figure that

some added charges onto and then later removed so figures changed.

 

One letter did have an offer to settle, £6500 debt settlement figure £1500.

 

I dont think i want them forever more. The last batch of shredding cheered me up no end. Shame i didnt have

anywhere to burn them. That really would habe made me smile.

Them providing free heat for my home.

 

The initial shock of oh my what have i gone and done when the bills went unpaid when i 1st went off work.

How did i get into that position.

 

Lesson learnt. And one i will install into my children from their 1st paypacket.

 

Thanks.

[dx100uk]

I never shred anything without scanning it

 

you never know

 

the other front is its good to keep copies for our records of the various debt letters

that people fall for.

 

as for your debts

 

don't auto assume as its not on your CRA file its SB'd

 

a default passing 6yrs and causing the account to vanish has little or no direct link to SB status

 

dx

[deep in the whatsit]

I

 

as for your debts

 

don't auto assume as its not on your CRA file its SB'd

 

a default passing 6yrs and causing the account to vanish has little or no direct link to SB status

 

dx

 

 

Oh god no... Please elaborate on that.

[dx100uk]

nothing more to say really

 

its a simple as that.

 

statute barring runs from your last financial transaction in/out

or your last written ack of the debt.

 

if anyone has gotten any court judgement through the back door

esp if you've moved that can reset the date too.

 

granted, being 6yrs defaulted and dropping off is a good sign

but not guaranteed SB'd.

[deep in the whatsit]

Nope not moved or denied living here, And never received any genuine court papers.

 

Last transaction August/Sept 2006. No court record on credit file either.

[deep in the whatsit]

Safe to start shredding? Or not?

 

Its well over 6 years so what can they do now? Just CC debts that i could not afford to pay due to being

off work. And currently still off work on ESA/Income support.

 

No other benefits or income, And no fraud commited on the accounts or change of address and not told them etc.

 

Got me worried again now. What can happen?

[dx100uk]

as I've already said.

 

I shred everything after I've scanned it.

 

a days work could save you £1000's

 

you never know what they future brings

 

dx