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6 year statute bar


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Hello, This is my first post but I've been reading and learning for a few months now.

I'm involved with two DCAs, well known to you guys ... CapQuest and 1st Credit and I've had their usual refusal to provide proof of debt/deed of assignment/inappropriate telephone calls etc. etc.

Could you please help me to understand something?

I read (somewhere on the site) that there is a 6 year statute bar for debts. But different opinions are quoted.

1) If you deny the debt for 6 years, with no payment and no CCJ, does that mean you're clear and future legal action by creditor will fail? I appreciate that no contact at all, no payment and no CCJ for 6 years is covered by the act.

2) Does the 6 year time limit restart each time the "creditor" contacts?

 

Time to go and lie down methinks.

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  • 2 weeks later...

If you check out the debt forum you may find some answers there.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hello, This is my first post but I've been reading and learning for a few months now.

I'm involved with two DCAs, well known to you guys ... CapQuest and 1st Credit and I've had their usual refusal to provide proof of debt/deed of assignment/inappropriate telephone calls etc. etc.

Could you please help me to understand something?

I read (somewhere on the site) that there is a 6 year statute bar for debts. But different opinions are quoted.

1) If you deny the debt for 6 years, with no payment and no CCJ, does that mean you're clear and future legal action by creditor will fail? I appreciate that no contact at all, no payment and no CCJ for 6 years is covered by the act.

 

correct

 

2) Does the 6 year time limit restart each time the "creditor" contacts?

 

no. only a payment/use or written ack from the debtor [as examples] reset the clock

 

Time to go and lie down methinks.

 

as advised, the debt forum threads reveal it all

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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