There are a variety of commercial collection agency agencies, whose work it really is to chase down unpaid debts for others.
The onus is on THEM to prove that you DO owe the money and that it’s genuine debt if receive a phone call or letter asking for money. Therefore if the debts aren’t yours, do not panic; deliver a page to state you aren’t accountable. Nationwide Debtline features a letter that is template may use.
For older debts, regulations claims you cannot be pursued in court for civil dilemmas six years following the occasion (five in Scotland).
Therefore for the personal bank loan, credit/store card or banking account where there has been no contact for six or even more years, a loan provider frequently can not get yourself a court action against you. It is risen up to 12 years for mortgages/secured loans – however for many income tax debts there’s absolutely no time frame.
Be aware that contact can indicate such a thing, including building payment, and that restarts the clock. Courts may also expand the full time, for instance, if lenders took reasonable actions to contact you. (więcej…)