Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
I do not quite understand - have they taken you to Court and won please?
I have learned nothing from you yet I cant afford my money for no reply now you have me crying that was my last money in bank
Yes I have not answered the question yet.
I asked: I do not quite understand - have they taken you to Court and won please?
no they have not taken me to court just sent threating letters
Ok - what is the debt for? When did you last make a payment on it please?
I don't no what the debt was for they just keep saying I owe their client over a 1000 pound
When did you last pay it please?
in the beginning of chat I explained council destroyed all my papers by mistak
I don't think I have they are talking about 15 years ago
But its not a Council debt?
no I think they are talking about a loan or caterlogue im not sur
can they just come in and take my home
But they havent taken you to Court?
no ive had no court papers
last letter says if I don't pay they will to higher debt collectors
Ok its good news
You need to write and enclose a cheque for £1 saying you wish to see a copy of any credit agreement together with a full statement of account.
By law they have 12 days to supply this.
You need to write and say that you DO NOT ACKNOWLEDGE THE DEBT
if they had my signature I would understand what it is their client has not got 1 lost they said
Then once you get a statement of account if it has been 6 years or more since you last paid, or acknowledged the debt then it is STATUTE barred under the Limitation Act
This means that they can NOT claim it back via the Court.
But you need to follow this process.
If they have lost the paperwork they can NOT prove the debt
They can NOT come into your house and they can NOT take anything away without a Court order
You would know if they had a Court order because you would have had notice of proceedings
Can I clarify anything for you about this today please?
You dont need to worry - if they do NOT have evidence it is your debt, you have nothing to worry abou
* about *
thank you very much I can get some sleep now again thank you very much
I am glad to have been able to help
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can they take court proceedings without telling me
No - you would be notified of this and be able to defend it on the above basis.
The claim is statute barred and out of time
But remember - DO NOT ADMIT ANYTHING
Does that help?
yes thank you goodbye
Goodbye have a good weekend and please remember to leave feedback before you go.