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| The independent answer to your debt problems | login join |
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hela
| 19-11-2009 08:30 PM |
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Joined: 19 Nov 2009 Posts: 5 | hi can anyone give me any advice, when i was married i had alot of debts with my husband and i then got devorced and as alot of the debts were in my name i ended up with them i couldnt afford to pay the debts back and when i first left my ex husband did try to. i moved house loads of times and they always managed to get hold of me. i was on my own with 2 children and working and did not pay the debts back this was 2001, i have recieved the odd letter to my home where i live now but my friend tells them i dont live here im living in fear every day can anyone please help me can they do anything about these debts?? the debts were mainly store cards and credit cards thanks ps i dont use my own bank account as im worried they might track me down .. |
| DW George | 20-11-2009 06:10 PM |
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Joined: 01 May 2007 Posts: 492 My Profile | hi hela When was the last time you made a payment towards the debts? If it was in 2001 then the debts may well be time barred. This means that the the creditor cannot take you to court and force you to pay back the debts. |
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hela
| 23-11-2009 05:02 PM |
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Joined: 19 Nov 2009 Posts: 5 | my last payment was 2001 thanks for replying |
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hela
| 23-11-2009 05:04 PM |
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Joined: 19 Nov 2009 Posts: 5 | so if the debts are time barred does this also mean i will never be able to get credit ever again |
| DW George | 24-11-2009 08:28 PM |
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Joined: 01 May 2007 Posts: 492 My Profile | hela It doesn't matter about your debts being timed barred. When a creditor is contemplating giving you a loan they'll check your credit reference file which holds information for 6 years. So, if I were you I'd check my credit reference file to see what sort of info is on it if your are having problems getting credit. In any case a life without credit/debt is not a bad one is it or am I just being sanctimonious? ;) George |
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hela
| 24-11-2009 09:33 PM |
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Joined: 19 Nov 2009 Posts: 5 | thanks for your help and info and no lfe without debt is the best way to be thanks xx |
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hela
| 24-11-2009 09:42 PM |
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Joined: 19 Nov 2009 Posts: 5 | one more thing if i look at my credit rating it wont start the creditors off sending me letters will it ?? sorry but im abit paranoid, thanks |
