My parents took out an overdraft and personal loan in joint names around 2005.
After failing to meet the payments on these, defaults/overdraft termination were issued by Nat West in April 2007.
After this, Irwin Mitchell were assigned the debt and went to court where a CCJ was issued in April 2008,
the same month that an interim charging order was put on their house at Northampton County Court.
In August 2008, this was turned into a final charging order at the local County Court in Brighton.
The last contact my parents had with them regarding this matter was in September 2008,
where they made an offer to pay the debt, which was accepted by Nat West, but payment was never made.
In August 2009, the received an identical letter from Brighton County Court regarding the final charging order, but dated August 2009.
For years, the have each received a letter every 6 months or so from Irwin Mitchell (and later Ascent Contact) regarding the debt
and asking them to make contact, which they haven't done.
Today, they have received a letter from Ascent, asking them to make contact with them regarding arranging a payment plan with them,
and if they don't reply by December 16th, they will get their local representative to get in contact to arrange a meeting to discuss the matter
, which I know they don't have to agree to do.
As the last time they contacted any of the people associated with this debt was August 2008
and no payments have been made since that date,
is this debt now statute barred and therefore unenforceable?
Is it muddied at all by having the outstanding CCJ and Charging order?
If someone can help then it would be greatly appreciated as they are understandably worried about this potential uninvited visit.
Thank you for your help in advance.
