Comments on: Bailiff Rights of Entry – a Guide http://debtadvice4free.com/2008/09/03/bailiff-rights-of-entry-a-guide/ Free information and advice about debt problems Sat, 11 Jun 2011 06:16:31 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Neil Campbell http://debtadvice4free.com/2008/09/03/bailiff-rights-of-entry-a-guide/comment-page-1/#comment-897 Neil Campbell Fri, 22 Oct 2010 12:29:59 +0000 http://debtadvice4free.com/?p=129#comment-897 Hi Dave, Many apologies for the delay in responding to you. This comment got lost in my spam comments for some reason. If the debt dates back to 1991 and you have had no contact with them since then it should be "statute barred" unless they have obtained a Court judgement related to the debt within 6 years of the last contact that they had with you. If this is true it means that no enforcement action can be taken against you, although they can continue to contact you about the debt. As a result of this creditors are often willing to accept a very small offer to settle statute barred debts. Please get this checked out by making an appointment with your local CAB. I am not a qualified debt advisor (just someone that has been through debt) so you shouldn't rely on my opinions. Best of luck and don't hesitate to ask more questions/tell me how you get on. Neil Hi Dave,

Many apologies for the delay in responding to you. This comment got lost in my spam comments for some reason.

If the debt dates back to 1991 and you have had no contact with them since then it should be “statute barred” unless they have obtained a Court judgement related to the debt within 6 years of the last contact that they had with you. If this is true it means that no enforcement action can be taken against you, although they can continue to contact you about the debt. As a result of this creditors are often willing to accept a very small offer to settle statute barred debts.

Please get this checked out by making an appointment with your local CAB. I am not a qualified debt advisor (just someone that has been through debt) so you shouldn’t rely on my opinions.

Best of luck and don’t hesitate to ask more questions/tell me how you get on.

Neil

]]> By: Mr David Summers http://debtadvice4free.com/2008/09/03/bailiff-rights-of-entry-a-guide/comment-page-1/#comment-838 Mr David Summers Mon, 27 Sep 2010 21:40:21 +0000 http://debtadvice4free.com/?p=129#comment-838 Hi. I recieved a phone call last week from a firm that had took over a debt I had from a catalogue in 1991. I think they said it was for £840. I dont know how they got my phone no, but they said can I confirm my address and without thinking gave my address. I think she said the firm was called Mackenzie something and she spoke with a Scottish accent. In 1991 I was involved in a R.T.A whch resulted in a coma and a severe head injury because of these I now worry about the slightest thing. Since I had that phone call I am worrying myself silly. How far can they take this, and I always thought that after so many years the debt was quashed. I have read your article and it seems very interesting and helpful. Dave Hi. I recieved a phone call last week from a firm that had took over a debt I had from a catalogue in 1991. I think they said it was for £840. I dont know how they got my phone no, but they said can I confirm my address and without thinking gave my address. I think she said the firm was called Mackenzie something and she spoke with a Scottish accent. In 1991 I was involved in a R.T.A whch resulted in a coma and a severe head injury because of these I now worry about the slightest thing. Since I had that phone call I am worrying myself silly. How far can they take this, and I always thought that after so many years the debt was quashed. I have read your article and it seems very interesting and helpful.

Dave

]]>