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sharon
Junior Member
170 Posts |
 Posted - 31 July 2008 : 23:13:07
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| What happens to your debts that are over 6 years old, if you miss any out on the banrupcy forms can they still come after you at a later date. |
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John
New Member
United Kingdom
73 Posts |
Posted - 01 August 2008 : 00:55:34
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If, for more than 6 years, the creditor has made no contact with you, or you with them, the debt is unsecured, the creditor knows your whereabouts (ie address), you have made no payment or part payment and there has been no CCJ awarded in respect of the debt then the debt can become Statute Barred.
If all of the above conditions applied and a creditor did contact you after 6 years then you must write to them, you must NOT admit to the debt, merely quote the Limitations Act of 1980.
If the creditor continues to chase the debt then you can quote Section 40 of the Administration of Justice Act 1970 which deals with harassment. Such harassment, if proven, is a criminal offence unlike the debt which is a civil matter.
If you have changed address within the 6 year term and the creditor could not trace you the debt still exists and the Limitations Act cannot be enforced.
Assisting where I can. |
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What happens to debts that are over 6 years old?
