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Hello my name is ***** ***** I will help you with this.
Is this a claim form? If so, do you know what it relates to?
It's a notice that the solicitors are about to seek a county court judgement for a credit card I had a few years ago. They're acting for a debt collector not directly for the bank and as I all correspondence has been issued in my married name which legally changed in Aug 2011 by deed poll and have subsequently been granted (Dec 2011) a decree absolute. The name no longer exists
When did you last make payment towards the debt?
2008 or so
OK - ordinarily it would not matter. If the name is ***** ***** you were the correct person they just make an application to amend the proceedings.
But if they do issue a claim then it is statute barred. That is no payments have been made for 6 years. This means that the claim is time barred. You should not admit or acknowledge the debt as this starts the clock ticking again
You should write back and tell them its time barred and there is nothing now they can do about it
Can I clarify anything for you about this today please?
I shall check my credit report, if it is time barred how do I get that across to them and get them to stop persuing me?
You write and tell them its time barred under the LImiation Act 1980
That should stop them. Does that help?
That really does, thanks :-)
Can I clarify anything else for you?
No that was all I needed to know, thanks again
great. If I could ask you to rate my answer before you go today, the button should be at the bottom of the screen
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