HELP PLEASE, Need Advice old debt

[SkyJazz]

Hi, Have a debt that it at least 10 years old and I'm being chased by Nolans. Problem is I have paid some money towards it so assume I can't go down the Statute Barred route but this debt doesn't even appear on any of my credit files as since I had personal problems 10 years + (partner died) I haven't taken on any more credit. If this isn't listed on my credit file then where do I stand with regards to paying this? Thanks very much, would really appreciate some help as I'm confused.

[dx100uk]

when did you last pay and what made you resume paying ...forced into it?

 

more history please

 

though you seem to have guessed right that it might be fleecing you

 

dx

[SkyJazz]

Hi Dx

Thanks for your quick reply. I last made a payment at the end of last year after coming up with a repayment plan with them. I had been receiving solicitors letters and because I've got two young children and have a mortgage was terrified that this had any implications on that - being forced to go to court and thought of losing my house. I was contemplating setting up a direct debit but I think my senses got the better of me and I stopped! They're now back to sending letters saying I haven't kept up with the repayment plan and that they will be instructing sherriff officers within the next 7 days to proceed against me without further warning (it's Capquest they're representing). As mentioned I've looked on my credit file and my credit score is pretty good and there's no sign of this debt on my file - what should I do? Thanks again.

[silverfox1961]

Hi,

In Scotland, once 5 years have passed, the debt is Stat Barred. Even making a payment after that will not unbar it. You won't be able to get anything back already paid but they can't force you to pay any more.

[dx100uk]

when did you resume payments with crap-pest?

 

and before that when did you stop payments?

 

TBH if it does not show on your CRA then me shells something fishy.........

 

also

 

you say you are inscotland

was the debt taken out in england before a move?

 

if so they have no legal powers.......

 

 

dx

[SkyJazz]

Hi Dx & Silverfox

Thanks for your very informative posts. To be honest I can't even remember what the debt is for although I can remember the name Egg being used - it was definitely in Scotland though as I moved back here in 97 and I'm sure it was around 99. Should I write to them and say anything or should I just leave it, do they have any rights and do they have any entitlement to threaten me with losing my house when it's got absolutely nothing to do with the house? Should I say to them that there's no mention of this debt on my record? Thanks again

[SkyJazz]

HELP PLEASE, Need Advice

Hi, Have a debt that it at least 10 years old and I'm being chased by Nolans. Problem is I have paid some money towards it so assume I can't go down the statute barred route but this debt doesn't even appear on any of my credit files as since I had personal problems 10 years + (partner died) I haven't taken on any more credit. If this isn't listed on my credit file then where do I stand with regards to paying this? Thanks very much, would really appreciate some help as I'm confused.

 

[UnitedFront]

Since the debt became due, has there ever been a clear gap of at least 6 years (5 in Scotland) where no payment or written acknowledgement had been made? When was the last payment you made? What was the debt originally for?

 

Cheers

UF

[dx100uk]

threads merged

 

please keep to one thread per debt

 

dx

siteteam

 

dx