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Jenny
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i have just recieved a letter from a company called 1st creditltd

Customer Question

i have just recieved a letter from a company called 1st creditltd saying they are now the legal owners of a debt from a credit card that i hed with halifax and thru various reasons i have not paid a payment since 2006 and have never recieved any written requests in all that time from them to do so until now i am scared as to what they can do please help
Submitted: 3 years ago.
Category: Law
Expert:  Jenny replied 3 years ago.
Hello and welcome to Just Answer,

There is a time limit on credit cards collecting debt of 6 years after default. If it is over 6 years since you last made a payment on the credit card and you have not acknowledged the debt in writing and a claim in court has not been issued then the credit card company is statute barred from persuing the debt.

That being the case you should not acknowledge the debt to the debt management company but write to them saying it is statute barred. So long as you do not do so they will not be able to persue you in court for the money.

please remember to give positive feedback. I will be happy to answer your follow on questions.

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