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I live in Scotland and

 

10 years ago found i couldnt pay debts I had.

 

CAB told me to wait to be taken to court by any of the companies, nothing happened.

 

I get a statement every now and then from a company but it just says balalnce carried forward £3.500.

 

Today they called me and I said I was not paying to take me for bankruptcy

she said they didnt do that and that she would put my file on hold for amonth

and that she would transfer my call to a charity company they dealt with to arrange for them to help me work out all my debts.

 

I told her I had to go out truthfully,

and she said to call them back to go through what I owe to others.

 

Is this debt now outwith its time,

 

I have not paid any of my old debts from that time and none of them write me any more.

 

Please help, I don't know what to do

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Hi and welcome along.

 

I have moved your thread to the Scottish Debt Forum.

 

If you have not made a payment or acknowledged the debt in writing for a clear period of 5 years then the deb is extinguished and no longer exists.

 

There is a Scottish Statute Barred letter template in the CAG library which you should send to the company who are contacting you about this old debt.

 

The link to the library is at the top of every CAG page in green.

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Thank you so much. I have not paid them any money since CAB advised me not to and that was 10 years ago.

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Have you acknowledged the debt as yours, in writing at any time? If there was a clear period of 5 or more years with NO payment and NO written acknowledgement, then the debts gone. However, the creditors can still chase you until you send them the SB notice.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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not in Scotland....

 

that's diff.

 

the debt is EXTINGUISED.

 

dead gone parrot

 

theres NOTHING they can do.

 

and theres nowt he needs to do.

 

dx

 

 

dx


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Thank you so much for your replies, I am going to findthe template letter and copy it now

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What was the debt ?


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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I live in Scotland and

 

10 years ago found i couldnt pay debts I had.

 

CAB told me to wait to be taken to court by any of the companies, nothing happened.

 

I get a statement every now and then from a company but it just says balalnce carried forward £3.500.

 

Today they called me and I said I was not paying to take me for bankruptcy

she said they didnt do that and that she would put my file on hold for amonth

and that she would transfer my call to a charity company they dealt with to arrange for them to help me work out all my debts.

 

I told her I had to go out truthfully,

and she said to call them back to go through what I owe to others.

 

Is this debt now outwith its time,

 

I have not paid any of my old debts from that time and none of them write me any more.

 

Please help, I don't know what to do

 

When was the last time you received a statement.


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When was the last time you received a statement.

 

I received a statement in October

 

they send them every now and again

 

although I havent been in touch with them till I wrote the template letter and posted it recorded delivery.

 

I received a letter back from Robinson Way debt collectors it says

"no further action taken for 30 days whilst i seek advice from a third party so they can forward us your propasals for payment within this period"

 

What do I do now?

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ignore them

 

dead buried gone

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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