Hello, my name is***** am a qualified lawyer and it is my pleasure to assist you with your question today.
How long after buying the car did you return it? Also do you have any correspondence relating to their agreement of the return and finance arrangement?
OK thank you, ***** ***** it with me. I am in court today so will prepare my advice during the day and get back to you at the earliest opportunity. There is no need to wait here as you will receive an email when I have responded. Thank you.
Many thanks for your patience. I am not sure why they have contacted her to pursue this debt because only the person who was on the agreement would have any legal liability for it. Just because you were married at the time does not mean that your debts are also hers and if you were the sole person on the agreement you will be the only one who has legal responsibility for it.
In terms of the statute of limitations this will depend on several factors. First of all, was there a specified date for payment? Let’s say you were supposed to pay a specified sum for a period of 4 years, with the last payment being due in 2009. The limitations period would then run from that date and it would be 6 years, meaning the debt would be too old to pursue now. However, if no specified repayment date was agreed, the limitation period would run from the date the creditor had requested payment for the debt, which could be now. The period can also be extended if you had made a payment or admitted the debt at any point and it could also start to run from either of those dates.
This is your basic legal position. I have more detailed advice for you in terms of the steps you should take if you believe you are no longer in time to have to pay this debt, which I wish to discuss so please take a second to leave a positive rating for the service so far (by selecting 3, 4 or 5 stars) and I can continue with that and answer any further questions you may have. Don’t worry, there is no extra cost and leaving a rating will not close the question and we can continue this discussion. Thank you
Hello, I see you have read my response to your query. Please let me know if this has answered your original question and if you need me to discuss the next steps in more detail? In the meantime please take a second to leave a positive rating by selecting 3, 4 or 5 starts from the top of the page. The question will not close and I can continue with my advice as discussed. Thank you
Hello, do you need any further assistance or are you happy with the above response? Look forward to hearing from you.
Thank you. If you believe that you are no longer in time to pay this debt you can either ignore their requests or write one letter to advise them of this, you can find a template here:
Hello, I tried calling earlier but got no reply, I will try again later today, thanks
Hi the couple of other times I tried it did not ring, just went straight to saying it is unavailable. I will next be available on Saturday, please let me know a convenient time and I will see if I am free then too, Thanks