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Statute Barred Debt?

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Hi All,

 

I recently used a friends address to get a phone contract. A few days after getting the contract he received a letter for me from Hoist Finance Holdings 1 Limited. The letter was in relation to an old credit card debt.

 

I have not had contact with any party regarding this debt for over 6 years. I have not made a payment of any nature or been in contact with the debtors for that period of time. The debt does not show up on any credit reference agency sites. As far as I'm concerned the debt is statute barred and HFH1L are just trying their luck.

 

Should I write to them with the following template or ignore them?

 

Dear Sirs

 

RE: Statute barred debt

 

I do not admit liability for this debt, and I do not intend to make any further payments to it for the following reasons:

 

 The earliest point at which you could have sued for the full balance owing to this debt

was more than six years ago

 

 No payment has been made to this debt by me, any joint account holder, or any third

party acting as my agent for a period of more than six years

 

 No written admission of liability for this debt has been made by me, or any third party

acting as my agent for a period of more than six years

 

This debt is therefore statute barred and any court claim to recover it will be defended on this basis.

 

If you have evidence that this debt isn’t statute barred, please send it to me within 21 days.

 

Otherwise, please confirm in writing that you won’t pursue me further for this debt.

 

 

Any advice would be appreciated.

 

Many thanks

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use our statute barred letter from the debt collection section of the library

that one above is out of date with the new CONC regulations of recent.

 

they are quite entitled in E&W to ask for money until you tell them its SB'd


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