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Hello, my name is***** hope you are well today. I am a qualified Solicitor, and I will be able to help you by providing you with an answer to your question today. I specialise in UK and Irish Law. I am not always online but rest assured if I do not respond immediately I will respond when I return.
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You should first make sure that the debt isn't yours. You may be liable for repayments if you had any joint credit arrangements or guaranteed a loan or other contract for a third party. You might not have to pay a debt if:
I would advise you to write a letter against the creditor stating the debt was not yours. However, if the creditor keeps contacting you about a statute-barred debt after you’ve sent them the letter, you can complain to the creditor. If you’re not satisfied with their response, you can complain to the Financial Ombudsman.
Financial Ombudsman Service
Telephone: 0800(###) ###-####br>Monday to Friday, 8am to 8pmSaturday, 9am to 1pmCalls are free from mobiles and landlines.
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