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| The independent answer to your debt problems | login join |
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gorak
| 18-07-2007 12:12 PM |
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Joined: 18 Jul 2007 Posts: 1 | hi please can some one help. i have a creditor looking for me for a dept from 1993/94. i have no idea what the dept is for. please can some one advise on what to say when he comes to my home. thanks gorak |
| DW George | 19-07-2007 04:19 PM |
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Joined: 01 May 2007 Posts: 148 My Profile | Gorak If you have not acknolwedge the debt in within the last 6 years then you have nothing to be worried about. In any communications you have with the debt collection company make sure that you don't acknowledge the debt. Hope this helps George |
| paladin | 19-07-2007 09:43 PM |
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Joined: 06 Jun 2007 Posts: 55 My Profile | I agree with George the Limitation Act 1980 sets out the amount of time a creditor has to pursue a debt, which is 6 years. The Act also states that provided that you haven't had a judgement made against you and you haven't made a payment for 6 years and you haven't written to the creditors admitting you owe them money then you can ignore any requests for payment. Let us know if the creditors/ debt collection agency continue to bug you. |
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schnitzel
| 11-11-2007 03:54 PM |
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Joined: 11 Nov 2007 Posts: 9 | Hi, I too am being pursued by a debt collection agency for a debt in 1997. I have no idea what this is either. Recently, the agency called my mother's neighbour asking questions about me! He mistakenly gave them my mother's telephone number and then they rang her, she is 78 and worried sick now! I have never had a court judgement made against me and I haven't admitted or made any payments to them, whoever they are! Is there anything I can do about this? Any information would be grateful. |
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| DW George | 11-11-2007 06:33 PM |
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Joined: 01 May 2007 Posts: 148 My Profile | Hi Schnitzel and welcome to this forum. I think that Paladin has summed up pretty well about the statute of limitations in respect to your old debt. Regarding the debt collection agency harassing you and your mother read this thread. DC agencies are always up to these tricks. They hope that you'll just pay up and not argue it, especially after the empty threat of court action. Post back if you need any more information. George |
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schnitzel
| 11-11-2007 08:45 PM |
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Joined: 11 Nov 2007 Posts: 9 | Hi, George, I tried to access the thread you included but for some reason the page is comining up with an error. Could you send it to me again. Thanks |
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| DW George | 11-11-2007 09:48 PM |
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Joined: 01 May 2007 Posts: 148 My Profile | Sorry about that, try this link. |
