am i statute barred ( nearly )?

[kta]

The last payment was made on the debt 6 years ago next month.

 

I have had phonecalls, all unanswered thanks to caller I.D and countless letters from various DCA's,

 

Moved house 4 months ago and had a "tracing" letter from a company a month ago ( which i never responded to ) then

 

today a completely different company has sent a letter saying 7 days or we're taking you to court

( much the same as every other company that this debt has been passed through)

 

i have never responded to any of the letters or spoke on the phone.

 

as of next month can i say that i'm statute barred? or will it be August before i can say it?

 

I have never had any court papers regarding this debt ( or any debt) to fill in

so assume they haven't taken me to court already in the past so i shouldn't have a CCJ...am i right?

 

You can probably tell i'm not to savvy with all of this.

[dx100uk]

check your cra file

 

noddle is free see below

 

dx

[BRIGADIER2JCS]

The default date is usually up to six months prior to

the cause of action ie the date a payment was due and

not paid, and no further payment or acknowledgment was

ever made,

[sequenci]

If it's a credit card, loan or other type of consumer credit act regulated debt the 6 years will run from the date where legal action could first be brought against you. This can often be a few months after the payments have stopped, it would depend on the terms and conditions. It's best to try and keep fending them off (or hiding) for a few months yet just to be totally sure.