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jim_h
Junior Member

United Kingdom
219 Posts

Posted - 14 June 2009 :  16:49:26  Show Profile  Reply with Quote
i am trying to save up for my bankruptcy fee as am on a four day week will take a few months i have heard nothing since christmas from my creditors some i haven't heard for a couple of years as i wont to clear all of them and they have not contacted me would they all be on my credit file

Niobe
Administrator



United Kingdom
4590 Posts

Posted - 14 June 2009 :  16:59:06  Show Profile  Reply with Quote
Hi,

They should be on your credit file, but you may find that some have been sold on. You will have to check.



The glimmer gets brighter all the time

Jan
xx
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sjbyron
Average Member



United Kingdom
746 Posts

Posted - 14 June 2009 :  18:41:52  Show Profile  Send sjbyron an AOL message  Click to see sjbyron's MSN Messenger address  Reply with Quote
Hi
The creditors that you havent heard from in a couple of years, how many years is that?
As their is a legal statute (think statue of limitation act) But dont quote me that basically says that if a creditor doesnt contact regarding debt within 6 years the debt is dead.

An expert will be able to advise on that

Stu J Byron
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 14 June 2009 :  18:51:39  Show Profile  Reply with Quote
It's six years for normal debts, and 12 years for mortgages.

The glimmer gets brighter all the time

Jan
xx
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sjbyron
Average Member



United Kingdom
746 Posts

Posted - 14 June 2009 :  19:25:12  Show Profile  Send sjbyron an AOL message  Click to see sjbyron's MSN Messenger address  Reply with Quote
thanks Jan I thought there something but wasnt sure

Stu J Byron
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