Now that I have corresponded with them, are they now able to pursue me for another 6 years? Also mortgage shortfalls have different periods until they become statute barred. My goal is to get my credit rating on track. Is there a way to find out how much I owe, who do I owe as am in India right now and not going to come to U.K however if things work out I can try to pay off my debts. Hmm. Can you please advise me on the following. If my debts become statue Barred in six year time what happens to credit file score. Besides, no one sends you a letter in the post telling you that you don’t have to pay them back anymore. They advised me to write a letter to the head office. You could decide not to pay and then if they took you to court they would have to provide the loan agreement etc – they can provide a reconstituted agreement though. There is slight relief for Scottish borrowers because the lender can’t ask for repayment after five years unless the local court has ordered Decree before the end of five years limitation period. I left for good in 2010 and its 2017 now, I am in in home country in Asia. The private loan stores don’t bother much about borrower’s repayment record, but they peep into the credit history essentially. My question is where do I stand as they are looking to make an arrestment on my wages. I was told that the debt had been “written off” and passed to a collection agency. However, the company they are chasing me in regards to I have no recollection of. They have my mobile phone number and home phone number!! I said that I had no idea of any loan that I owed and that I had the right to be provided with more information. When I said Hello, nobody answered. You have not acknowledged the debt in words. A debt cannot be written off after a certain time, it can become Statue Barred which means that they can still chase you for the debt but they cannot pursue any legal action against you. Your supervisor may not have closed the case as they may be claiming mis-sold PPI for your creditors as they are supposed to do. and/or would I be eligible for a credit card elsewhere? I would also advise you contact our helpline on 0800 280 2816 or 0207 760 8980 via a mobile. I left Uk in 2006 after 3 years of stay. This does not mean the debt has gone away but that creditors or their agents cannot enforce the debt through the county court. So far I have just ignored calls and letters to my old address. But that’s over & done with now, what can we do about this? The debt is no longer on my credit file, I am on a very low income, I know from past experience that the company who have bought the debt will not accept a token payment, I am too ill to cope with the stress now, I am obliged to discuss this with them after such a long time? If you DO acknowledge the debt when they call, tell them you require them to send you a copy of your original signed agreement and you will get back to them. I contacted the Ombudsman but have had no response from them just a letter saying they’ll get back to me as they’re inundated with complaints from banks, Did the insurance you took out actually cover the overdraft or hust the loan. Now they have been quite insisting in the past couple of weeks with phone calls and text messages. Hope this helps. However, the Council of Mortgage lenders have an unofficial agreement they will not chase any debt over 6 years. any suggestions please.. thank you friends, Hello Ram, Have they got any rights to claim this money back after all this time? You need to be very sure this is the case as otherwise the debt is still live and you would be stopping the six year clock ticking down and make it start again if you contact in writing before. Is there anything I can do? If yuo want to email me more details – send it to jane.clack@payplan.com, Hi Jane, A quick update regarding our conversation regarding my IVA (February 22nd) However after checking my credit report no court judgements was against me!! I have always stated they were nothing to do with me and that I would never contribute towards any payments. I do not know what your monetary position is at present but you have a right to ask for the breakdown of charges and they do have to be realistic. I made payments (leaving enough for the minimum monthly payments) for about 6 months then stopped altogether. I would like to know if after 6/7 years my credit will be clear and if they could still come after me for the outstanding debt. I feel they were trying to put words into my mouth during the conversation even though I told them I thought that I should no longer be liable for the debt and did not agree to pay anything.