VilCollections chasing old start-up loan by email that i took out whilst resident in Scotland - now live abroad.

[TheFox12345]

I received a letter via email from Village Collections regarding an £11k debt owed on a unsecured start-up loan. 

I would like to know when the debt is statutory barred as it was taken out in Scotland, and if VilCollections will take any enforcement actions. I haven’t made payment since April/May 2021. 

I’ve also moved abroad since not paying and this is the first email I recieved.

Thanks

[dx100uk]

if you are not resident in this country and have no uk assets like a house there is nothing they can do.

Vil Collections are a DCA, they don't buy debts, only chase for their stated client...who is?

they only have your email so have no idea if you've received it, and anyway you can always ignore email comms from a dca .

a DCA is not a BAILIFF

and have 

ZERO legal power on any debt - no matter what its type.

sb is 5yrs in scotland then the debt is extinguished, dead gone parrot.

who was the start-up loan from please and when?

[TheFox12345]

Gc Business Finance, mid 2020 as far as I can remember. Split from the business and then moved abroad.

[dx100uk]

and the rest of my questions...

dx

 

[TheFox12345]

That answered both of them. Who: GC Finance and when: mid 2020.

Don’t see any others, might be blind though, so pls let ke know what else is needed, thanks.

[dx100uk]

1 hour ago, dx100uk said:

and have no uk assets like a house there is nothing they can do.

 

[TheFox12345]

Thankfully no UK assets and I’m permanently resident abroad (in the EU). 

Another thing I’m concerned about is that there was an active direct debit that has failed every month since I left the UK. I thought I cancelled it, but apparently not. Since it failed and no funds were ever transfered, it should not be a problem, right?

Thanks for the help!

[dx100uk]

them you ignore them and everyone else nothing they nor their client..who is? can ever do to you.

dx

 

[TheFox12345]

The client is The Enterprise Fund. 

Is there any chance they could try chase this internationally?

Edited November 4, 2023 by TheFox12345

[dx100uk]

if they have zero powers in the uk, what powers do you think they'll have in a foreign country....

[TheFox12345]

What about the creditor, they could take go to the courts right? How often does that occur, from what I’ve read online, it is fairly rare.

[dx100uk]

OS's dont do court as its bad publicity.

and cant it a foreign country anyway as they are out of jurisdiction.

dx