my credit score is good but i am bit tensed about this debt. This scenario involves being forced to sign a contract, signing a contract because you were coerced, or if the agreement was not clear to everyone involved in the contract. We will provide you with a personalised debt solution. Was there equity in your property when it was repossessed and was it enough to pay them both off after repossession and sale costs were deducted? 4. Check your credit file as if it were 4 years ago there should be something on your credit report. Hi, What do I do? I thought I had answered this before. Hello Marcus, thanks for your comment. We had a secured loan at the time, and despite paying all arrears at the first court appearance ( was preffered mortgages that took us to court) mortgage company then pursued for interest, we couldn’t do this as we already paid 6000 in space of two months, ( our mortgage was 550 a month and we’d missed two payments) ) the judge through it out of court the first time but second time over interest, he was forced to repossess. 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. If I do get in touch with them will they take in to account my partner wage as I’m not working I relay on my tax credit I am paying an old tax credit overpayment now but he doesn’t agree that he should have to pay my debt. Can they do this even though it’s not even on my credit file? The debt was following their refusal to pay PPI following redundancy from a contract role. Can my partner get a mortgage, taking my income into account without having me on the mortgage/title deeds etc? Is that true? The limitation period for a student loan is six years. Would I to repay it back and if so, how much would I have to pay now? They also said they had hired 3 other debt management companies who also sent me letters – I never received those letters either. In November 2010 I got a start up loan of £5000 to start a buisness to cut a long story short 6 months later the buisness failed due to partners health declining and we found out the kids had ADHD,ASPERGERS and AS between the 3 of them so the buisness account was closed and tbh after a while i forgot about it as I had alot on my plate with one thing and another…since closing the account I have never heard anything from them about the debt we did move house in 2013 but still nothing from them, December last year I split with my partner she messaged me yesterday to say I had a letter I asked her to open it and it was from a soliciter basicly on behalf of the people I got the loan from asking for £4221 which was the remaining of the debt. Thanks again and I hope this kinda makes sense. I never acknowledged the debt, it must be nearly 6 years since there was any correspondence. But remember, theirs is the burden of proof. But, do you really want that hanging over your head? It is becoming a real drain to have to deal with this again and again. 2. Hi Jane, thanks for the reply the information is much appreciated. This is returned to the creditor within the time frame and they decide whether they will accept it or not. I received a phone call that I didn’t recognize. This is not the case here as it is only from 2014. What should I do? If you are not held liable, you have the right to challenge the creditor. I have checked my credit file and it’s not on my credit file. Last phone call I asked how old the debt is. This he has duly done however, the prosecution solicitors are now chasing for the difference between the amount the prosecution wanted & the amount the Judge awarded. I remembered most of the address changes but a catalogue was forgotten. PayPlan is a trading name of Totemic Limited. Only the creditor can remove things from your credit file so you could contact them to ask why they have not gone but then of course that alerts them to your new address. I wrote back to them asking whether the debt was statute barred- they said it wasn’t and have now referred the remaining balance to a debt management company. That means that no payment has been made to the debt for six years since the last payment was due to be made and there has been no contact in writing and the creditor has not gone for a county court judgment.