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Sedonagirl

Lowell & Cabot letters

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Hello I am a newbie here and wonder if anyone can help.

 

We have just recently returned from overseas, we moved in December 2006 and came back here in July 2012. We are now being harrassed by Debt Collection Agencies for old debts which seem to be exorbitant amounts of money.

 

Are these debts now Statute Barred as we moved in the early part of December and made no further payments, we had intended to contact them but some of our personal papers went missing in transit and I had no contact details. We have not acknowledged any of these letters, my question is, should we ignore them and hope they go away or should we use one of the template letters here. They say they may send someone round to the property, we are only renting for 6 months and will probably go back abroad as we cannot get jobs here and receive no help from the benefit people either. We have no income whatsoever and have had to pay our rent up front. If we do send a letter are we admitting to the debt or is it better to send a letter rather than ignore the situation?

 

Thanks for your help

 

Sedonagirl

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Hi wlcome to CAG,

Staute barred ==nno payment or acknowledgment in writting for 6 clear years, you need to check credit files, defaults will be dated up to 6 months after the last payment date.

If you can list each debt, which company is chasing the debt, last payment date, I can draft ba letter to suit.

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Do the companies concerned visit this site to glean information about people before I list my debts please?

 

Thanks

Sedonagirl

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Do the companies concerned visit this site to glean information about people before I list my debts please?

 

Thanks

Sedonagirl

 

They have been known to, but so long as you make the details fairly anonymous - don't post up exact amounts, or post reference numbers, then this is OK.

 

eg

 

Debt 1 - Credit Card, Barclaycard, amount being chased £1500, last payment made May 2006

 

It just gives an idea of how likely any debt is going to be Statute Barred. If the SB date has passed then they can go and whistle, full stop, but if you are a couple of months away from SB then you don't want to be raising your head above the parapet and engaging in too much correspondence as you need to get over that line. It may for example be more appropriate to challenge their right to collect, or to investigate to what extent charges have inflated the amount being claimed.

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