Hello, I am new to forum's but I have read the previous entries and I feel you can help me.
Like many people I too found myself in the unfortunate position of losing my job and unable to continue paying off my loans, rent etc approx 12 years ago.
I did pay a visit to the CAB at the time who told me they couldn't help me and advised me of the 6 year rule!
I have now got my life back on track but I am ashamed to admit I took the advice concerning my larger debt of £14k.
I have moved address several times, not on purpose to avoid anyone - just how life turned out,
and I have heard nothing from my lender nor have I made any contact or payment.
I recently had cause to check my credit rating and no CCJ's were present.
Over the weekend a friend of a friend passed on a letter sent to my last address by a collection agency seeking payment.
I have read about the statute barred and I probably fall within this category but I do have a dilemma.
If I were to respond then I will be acknowledging receipt of their letter and possible further action.
I could choose to ignore it as I no longer live at the address to which the letter was sent, however, I am in such a panic now and worried how this could affect my new life.
I am still in the unfortunate position of not being able to pay this debt but I now have a home and family.
Can someone please advise me of the best course of action to take?
Your help is very much appreciated.