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Hello Joyce my name is ***** ***** I will help you with this
When did the loan finish please?
Its bad news I am afraid. In law under the Limitation Act 1980 you have 6 years to bring a claim for breach of contract.
That means that any claim would have need to been brought by January 2010.
Sadly you are 5 years out of time.
Therefore any claim is statue barred.
I am sorry that this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
Can I help with anything else?
I am sorry.
But sadly that is the law. 6 years from date of loan
For the legal advice yes.
But of course that is cheaper than £150 to see a Solicitor for an hour
Yes. But the Limitation Act 1980 is very clear.
If you had been a day or two out, maybe you could have asked the Court to extend it.
But sadly not for 5 years.
One fee for a single answer yes.
That is the whole chat
Can I clarify anything else for you today please?
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