Jump to content


Heading down the 'Statute Barred' Route in Scotland.....


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4027 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

OK....so I'm certain this will have been covered in other posts but I'm confuzzled by the sheer number! :!:

I have about £25k of debt dating back several years and I plan to finally sort things out once and for all.

I got a full credit report and have all the relevant details but I'm unsure about a few things.

 

I realise that 5 years have to have elapsed and this seems to be the case for all bar one of the debts (that one reaches the 5 year mark in December 2011). Can I start the 5 year count down from the date of my last payment to each as the default dates ar are all several months after?

 

Do the relevant companies HAVE to respond favourably to my standard letter or can they challenge my application for the debts to be statute barred even if I meet all the criteria?

 

If any of the companies in turn tell me that it is not in fact 5 years after all, and produce evidence that I in fact had contacted them and acknowledged the debt (something I'm sure isn't the case but I'm trying to cover all the bases here), will they then begin to pursue me relentlessly to ensure they get their money back before 5 years HAS elapsed?

 

I should reiterate that as indicated in my post title, I am in Scotland.

 

Many thanks in anticipation of the usual high quality advice :madgrin:

Link to post
Share on other sites

Hiya,

 

Is any of them contacting you just now?

 

I would put money on it if you raked something up just now that hadn't hit the 5 years then yes they would probabrly persue it. I would take it 5 years from when the account defaulted or payment was made wahtever was the last actin.

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

I receive letters from them on a weekly basis, none of which I have ever responded to but I'd really like to get this sorted out properly and not have these debts hanging over me, even if they aren't being overly proactive in their pursuit of them. Another complicating factor is, due to a marriage break-up, I lived with my parents for a few months until I sorted myself out. A lot of this correspondence now goes to my mum and dad's address and, as they're elderly, they're very anxious to know what's going to happen and whether someone's going to turn up at THEIR door.

 

The letters range from asking me to get in contact with them immediately or they will consider legal action, to offering a reduced settlement figure if I pay up now, to saying that someone will be visiting me to discuss this matter. (I should point out that no-one has ever turned up)

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...