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What options have the debt collection agency provided with regards ***** ***** it off?
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Many thanks for your patience. He can certainly ask for details of the debt because otherwise anyone can contact him and say he owes them money and he would have to pay it. So if he has doubts over the legitimacy of this debt or he is simply uncertain about whether he owes them anything, he can challenge them over this and ask them to provide sufficient details to satisfy himself that he does indeed owe that money. He cannot be forced to pay anything until then and the only way they can force him to do so would be if they take him to court and win and to do so they would need to provide evidence anyway. The most important thing for now is that he does not make any payments towards this or that he does not admit the debt in any way. The debt could potentially be too late to pursue because there is a limit of 6 years to make a claim for such debts, but doing either of these can extend that deadline, hence why it is important that he does not pay anything or admit it until he is satisfied that he owes it.
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Many thanks. To work out if the debt is still in time you need to check whether there was a specific date for repayment of the loan and if there was – the six year limit would run from that date. If there was no specified date for repayment, the six year limit would run from the date a formal demand for repayment was made by the creditor. Also a new six year limit can start from the date the debtor has acknowledged the debt in writing or they have made a payment towards this debt.