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Statute Barred Debt - Letter sent to ex-wife

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Hi all, long time no visit. Hope this is in the right section, apologies if not.

 

I just received an SMS from my ex wife to say she got a letter in the post regarding a debt in my name.

Unfortunately she threw the letter out so I have no details,

she called them and asked why she received it and they said it is by association (her surname is now her new husbands so I'm quite amazed).

She told them she has no idea where I am.

I live in SE Asia now, have been solidly for 5 years and on and off for 6 before that.

 

Right my questions are these.

I have had no contact with any finiance companies/credit cards or anything for at least ten years (no correspondence or calls) so surely they would be past the Statute of Limitations now?

 

and, how did they find my ex wife who has changed surname twice since we split up 13 years ago?

 

lastly, are my parents likely to receive anything?

They are old and I'm worried about them getting demands.

I have a basic bank account in England that was registered to their address but there is no credit attached to it (no overdrafts, no loan, no credit cards).

 

Oh I forgot add, is it possible to restart the 6 years from the beginning again if someone/I respond to any correspondence or can only a judge do that?

 

Thanks for reading.

 

 

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very probably

who did she ring?

what was the debt about?

 

more details please


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Just now, dx100uk said:

very probably

Sorry but I'm not sure which question you are replying to

 

1 minute ago, dx100uk said:

more details please

She threw the letter away so I have no details. She doesn't remember the name. She literally called and said we broke up years ago and that was it.

 

 

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the debt Is most probably SB'd yes

but without a tiny bit of more info

its very hard to exactly give accurate advise

who did she ring?

can she not look at her phone record online and get the number?


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

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I don't know. I don't really want to bother her.

I said she'd probably get another letter maybe a few then they would most likely give up.

 

I've asked her to send me details if she receives another one.

If I get it I will post on here.

Always good to get this group's opinions and to pass on info.

 

I'm just guessing but I suspect some company has bought a load of statute barred debts on the cheap and is flinging out letters to see what sticks.

 

I guess they found her by tracking her married name on credit records through to her new name.

I'm not sure I would have any reference to credit on my parent's address as I left home before any of this and they have moved several times too but that's my only concern is they get worried by receiving a demanding letter.

 

thanks. I'll post any updates if there are any.

 

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they are not allowed to contact anyone other than the debtor as there is no such thing as debt by association.

She should have kept the letter and then complained to the FCA and the ICO about the activities of the comapany. If she had recorded the phone cvall then they would be over a barrel on this

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any joint account or cards from that time?

 


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

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I just re-read her message and it was addressed to me.

 

She said it was from a Search Company (?) and when she said how did they get her address they said it was by association.

 

We divorced years ago, should we be connected in anyway on a credit rating?

 

She's remarried.

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you will probably see your old address on your credit file under linked addresses.

 

did you ever have any joint cards or bank accounts.

 

 


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

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There was a joint mortgage years and years ago and a joint loan.

 

Her name was removed from the loan though and it was all put into my name.

 

It's just strange that she has never received anything before.

 

We split up so long ago and I've received nothing.

 

I guess I'll just wait and see if anything else arrives.

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the mortgage was paid off?

 

joint loan....was this a secured loan?

 

dates please?

 

 

 


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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the mortgage was paid off?

Yes property sold off in about 2001 I think. - everything paid off.

 

joint loan....was this a secured loan?

No - unsecure loan. Was all put in my name 2008.

 

 

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