Gone Away Information Network GAIN

"Mike Miller" wrote

If you acknowledge the debt it restarts the clock. If you don't, they have to prove you owe it, which will be tough after 12 years.

The clock is restarted each time you *or they* acknowledge the debt (eg if they send a statement of account showing the debt, a chasing letter or any other letter referring to the debt).

If you move house without telling them and they continue to send letters to your original address then presumably these letters still count as valid acknowledgements.

What sort of debt is it? How long ago did you last acknowledge liability?

Most debts are out of time after 6 years, so tell them to go away.

Thanks for the replies...

It's an old credit card debt. I read about the limitation act and this may apply, however I dont want to be blacklisted again or have any credit reference agency defaults logged against me again if I go down this route.

They can't register a default for something that isn't due, and anything on the file must be removed after 6 years anyway.

They are just trying it on. They do that quite frequently. Tell them to go away, and they will eventually.

How can they acknowledge a debt? The can only allege it. I think you must be mistaken.