Sara (Financial Obligation Camel) says
You are suggested by me communicate with National Debtline concerning this.
Francis Smith says
A British business has financial obligation, that has been contractually guaranteed on real-estate owned by the British business. The creditor/lender hasn’t chased for the financial obligation with no re payment is made. There is absolutely no communication with all the loan provider.
Would disclosing your debt as being an obligation into the monetary statements (publicly available in the British business register) be viewed to be an acknowledgement it written down, that could be utilised by the creditor to prevent your debt becoming statute banned?
Another means of asking the real question is whether such as the financial obligation features an obligation when you look at the monetary statements associated with the debtor business implies that your debt can not be time-barred?
Sara (Financial Obligation Camel) says
Sorry but we cover individual debt right here. It is advisable to pose a question to your solicitor.
Hello Sara, I became residing in British in 2014 together with a charge card of we think 1200ВЈ but left the UK back again to Slovakia. Its been very nearly 6 yeard since final re re re payment. Perhaps maybe maybe maybe Not some business after nearly 6 years delivered me e-mail about it matter, that they’ll attempt to assist me personally to focus it out…etc… we didnt reply…is here any possibility they could ho after me personally in my own house nation or must I keep it like this?
Sara (Financial Obligation Camel) says
It is best to speak with National Debtline – they could be phoned from abroad
Ok Sara many thanks, but if we talk with them isnt it reseting a clocks to be statued banned? What exactly is your viewpoint with this situation?
Sara (Financial Obligation Camel) says
Nationwide Debtline certainly are a financial obligation advise agency. Conversing with them isn’t the identical to conversing with creditors, the clock can’t be rested by it on statute banned financial obligation.
I experienced a CCJ registered for the financial obligation long ago. The organization delivered the court documents to 1 of my old details, otherwise I would personally have contested it. Achieving this meant they won by standard. The CCJ had been removed from my credit history this present year. Through the 6 years the CCJ was had by me they made no try to gather or enforce your debt. Now i really believe they offered your debt on up to a various business whom have actually delivered me letters right after the CCJ was removed from my file. Just just exactly What advice would you provide me personally in this example?
Sara (Financial Obligation Camel) says
A creditor needs to go to court to enforce a CCJ which will be over 6 years that is old authorization is extremely hardly ever provided. It is advisable to speak to National Debtline by what you need to do.
I’d a numerous loans with moneyshop. My payment that is last was them chasing for re re payment onwards. There records show i made some repayments via a business collection agencies company equidebt so they really took the account in those days my re re payments ceased again end. They used a standard (precise date uknown i’ve expected with this information yet to gotten to but thet verify has arrived down credit history as passed away 6 years since used this). We suggested on phone I happened to be liaising with step modification and will also be in contact which i didnt. Telephone call made they refused by me to the company wanting to raise a complaint under affordability remit. No contact fashioned with me personally by the ongoing business after this financial obligation and default taken out of my credit report as time passed. Then passed debt to CRS appropriate threatning me with appropriate action. i have tried to challenge this over e-mail, june 20 perhaps not acknowledging financial obligation but acknowledging past loans asking for affordability claim to be looked at once again and requesting details of said financial obligation they do say i owe.They have actually refused my claim. Is it debt statute banned? Ive worked very hard to meet all my olds debts, with defaults. im worried off they are attempting to apply again about them applying a ccj when its already been on my file and when dropped?
Sara (Financial Obligation Camel) says
Telephone call made by me personally to the business attempting to raise a issue under affordability remit they declined. They declined in the phone? do you have communication by e-mail together with them about that?
No e-mail and i cant recall should they delivered a page i dont think they did?
Sara (Financial Obligation Camel) says
in the event that you made an affordability problem that will have reset the statute banned claock. We can’t determine if there is certainly any such thing on paper to confiirm this or perhaps not. Do you ever make any re re payments through StepChange?
No i never made payments via step change .. final record of re re re payment is via equidebt … ive challenged present commercial collection agency threats citing statute barred .. their answer had been just that even though the financial obligation is not any longer on credit report havong passed 6 year mark it’s still enforceable.. if you have question about affordability problem reseting clock .. am i best making an agenda using the commercial collection agency business to settle . This can suggest its instead of my credit history ratger than danger a ccj that is new put against me personally ..
Hi. Hope it is possible to assist. I’ve put on the courts to create aside a CCJ ive recently noticed in my credit report. It wasnt there however for some explanation it turned up dating back to. The CCJ had been offered in the address that is wrong. The claimant has accepted the CCJ ended up being offered in the wrong target and therefore they’ll be asking the courts to create it apart.
The final repayment we made ended up being. The CCJ according to my credit report ended up being wear my file. Predicated on last re payment its over 6 yrs. They say a default was served by them notice. Nevertheless this too had been provided for the address that is wrong. I became perhaps perhaps maybe not residing at that address in those days. I relocated away. So how do we stay with Statute Barred and from the time would they start the right time limitation. Final re re payment date or date of standard notice issued/applied/sent to address that is wrong?
The claimant is asking for me personally to signal a consent kind for which they consent to put aside the CCJ but are requesting money figure of 500. The full stability owed relating to them is 947.