How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Jamie-Law Your Own Question
Jamie-Law
Jamie-Law, Solicitor
Category: Law
Satisfied Customers: 5378
Experience:  Solicitor
96104960
Type Your Law Question Here...
Jamie-Law is online now

Nearly 6 years ago i took out a provident loan of £500 the

Customer Question

Hi..
Nearly 6 years ago i took out a provident loan of £500 the interest was extortionate and was supposed to pay back over £1000.. I never paid anything back and was under the impression that it would be cleared off my file this February. Only a few days ago i received two letters one from the debt collection agency they had passed it on to and another from a court in Northampton or norwich threatening with a ccj if its not paid in full by mid November.. Is this possible for them to do this and can they give me a ccj so close to the 6 year period in witch its meant to be cleared of my file?
Submitted: 1 year ago.
Category: Law
Expert:  Jamie-Law replied 1 year ago.

Hello my name is ***** ***** i will help you with this.

When did you last make payment on this please?

Customer: replied 1 year ago.
I never made any payment at all..
Expert:  Jamie-Law replied 1 year ago.

Ok - when did you take it out?

Customer: replied 1 year ago.
Was just under 6 years ago, i can get an exact date when i get home from wok if u need it?
Customer: replied 1 year ago.
For it to clear in February it must be around February 2010 id imagine?
Expert:  Jamie-Law replied 1 year ago.

Ok - they can issue proceedings at ANY point UP to 6 years.

So if they do that then you will be liable.
After 6 years then it is out of time.
Can I clarify anything for you about this today please?