This is exactly not true, that have appeared that have borrowing from the bank site firms and something website that listings CCJ’s (can not think of identity) I called the loan companies to inquire about into the CCJ reference number and you will big date merely to find out one good CCJ was never ever wanted
We have numerous very old bills (more 11 years old) that we try spending through financial obligation management package up to regarding 2 in years past as i stopped on account of change in economic points online payday ME.One ones expenses remains to my credit report (marked since membership signed) and you can i recently have started getting a few emails from obligations recovery agencies.
You have been make payment on debts until recently so they wouldn’t feel statute-barred. You could potentially discuss with Federal Debtline (0808 808 4000) whether you’d have almost every other defence to help you a CCJ.
Hello I have had unsecured loan applied for up to 1998 to possess ?1800 we prevented and work out money when you look at the 1999m once my personal insurance provider avoided layer my money because of mental health issues. Because day I have not provided get in touch with or generated people payments. I’ve had of several letters within my C/O send target while i was abandoned and of no fixed address. We immediately following 10 years now received a letter saying i now owe ?4800 and need to spend it instantly. I’m sure my financial obligation could have been obsessed about many times. my partner is found on ESA and you will PIPS to possess a serious cardiovascular system position and all of i get are a small company retirement and you will full carers allowance out of ?62 each week. So it previous letter claims these people were ”assigned” that it debt ion brand new Surly which must be statute-barred very as to the reasons have it contacted me personally ? It is said they shall be getting in touch with myself again shortly. Should i think about this just like the good bluff assured i am able to generate the brand new fee. Facts are I don’t have money now i’m full-time compassionate to have my partner you to definitely I’m effect guilty as its my financial obligation from 1998 that is now ultimately causing this lady worry. Exactly what should i create today? I’m reluctant to split the latest 18 12 months silence of the contacting her or him. Excite do you really provide one let or advise excite. Connection Martin
I’ve zero intention of failing to pay him or her however, should understand what the effect to my credit rating might possibly be- can they reappear on my credit rating that is it most likely given the age of the expenses that they can give me an excellent CCJ?
About what you have got told you, the debt could well be statute barred. If not should embark on taking emails you are attending must contact him or her. See which includes a link to a national debtline layout page you can use. If you like specific service doing this (such as for instance you may get a page within the respond and tend to be unsure exactly what it means) then i highly recommend contacting Federal Debtline 0808 808 4000.
Debt collection team chasing after funds from around 2005 said ‘while aware the brand new collector has actually acquired an excellent CCJ against you’. Do i need to now generate an ailment toward Monetary Ombudsman otherwise is this much too preferred in order to irritate him or her?
you can not whine on the Financial Ombudsman unless you possess earliest reported formally on the personal debt enthusiast and you will given her or him 8 weeks to respond to your criticism.
As to what you have got said, I guess do you consider your debt is really statute barred, come across (If there is a beneficial CCJ this will not be the scenario.) If this sounds like right, It is advisable to setup a composed issue on obligations collector (you should be able to get an email address having issues on their site) and you may point out that you become they harassed you to pay a financial obligation that has been statute-barred because of the claiming incorrectly that there was a good CCJ. Make them prove written down there is no number regarding a good CCJ and that they will not continue steadily to consult commission from you.