DLC, debt 12 years old and no payments made

[sarah0906]

Ok so looking for some advice..

12 years ago I had finance through black horse. I have not made any payments or contact since 2007. And they gave up except send me a annual statement but this didn't happen every year. There is nothing on my credit report to do with them. I have recently bought a house for the first time and then the other day I received a statement and then a letter asking for payment. This was sent to my old address. I have not acknowledged the letter. Can they still Persue after 8 years of no contact? and is my house safe? The debt was unsecured . What do I do next? Thanks in advance

[ericsbrother]

The debt will be well and truly statute barred. I suspct the letter was a fishing expedition hoping you would make contact. Ignore them unless they decide to try their luck with a court claim. If they do this they have to follow the proper procedure and then you can tell them it is SB'd. Until then they are allowed to continue to ask for payment and you can happlity ignore them. As you have seen, it wont affect your life.

If you want to be proactive then write to them denying any debt and say it is SB and make sure you give your current addy to prevent sneaky attempts at serving papers on your old one.

[citizenB]

There appears to be a lot of statue barred debt being pursued at the moment.

 

This would be the letter you would send..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**

 

Just to be sure of the advice we are giving is correct, what type of finance was it ?