Mortimer and old Halifax cards and OD - Statute Barred?

[manuelw]

HI

 

I had a Credit card and Overdraft from Halifax.

I had to leave the country because my visa finished and left in July 2013.

From July 2013 I have not made any payments to these cards or overdraft till now.

I came back to UK in June 2017.

I received a letter from this Mortimer Clerk Solicitors in July 2019 for the first time asking me to arrange a payment plan.

Today they have sent a text asking me to contact them.

I have done none of that.

 

1. What should I do?

2. When does my debt go in to Statute barred?

3. When they become statute barred, do they still stay in my credit file and for how long?

4. Do I need to contact them and tell these are statue Barred?

 

Thank you for the help

 

 

[dx100uk]

a debt should vanish from your credit file on the defaults 6th birthday.

but that doesn't necessarily mean the debt is barred nor not owed.

what are the defaulted dates?

 

it might pay you to send an sar to Halifax.

 

 

 

[London1971]

Do not speak to them on the phone under any circumstances, every thing in writing, using free proof of posting. Also you need to make sure that you inform Mortimer Clark of your current address in writing, if you do not do this you will be at risk of a CCJ without you even knowing it.

 

Send an SAR to the original creditors, ie Halifax. This will give you the information that you need such as the default date of the debt, last payment etc.

 

The SB date is 6 years after the  default date +14 days. Typically this is a few months after the last payment. That's why it's important that you have this information.

[manuelw]

Sending a SAR request to Halifax will it affect my debts been statute barred

[dx100uk]

ofcourse not

what are the default dates please

[manuelw]

I left UK 15/07/2013. So no use or payments to account from 1/8/2013 till mow

 

I was not in UK. So I don’t know exact date they marked it as default. Or when they sent the 14 day letter.

[dx100uk]

well go look then

 

dx