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Response to 6 or12yrs am i liable

from One Angry Mother (madcow678@hotmail.com)
It seems to me that you have two courses of action.

1. Is to ask the Halifax to prove how the "debt" is made up. This will cause alot of grief and sleepless nights on your part as they will tell all sorts of lies (and get other companies to corroborate them). They will NOT provide you with the proof you ask for and you will have to enter into alot of correspondence. They will take much delight in wasting your time and sending you information that is not relevant. They do this because a lot of people are not aware of their rights and want the matter resolved quickly, so they just pay up and the Halifax gets their money - whether it is due to them or not.

This is not a good idea if you don't have a sharp eye for detail and are not good at arguing, because you have to really FIND their mistakes and point them out with a good argument that they cannot defend. This takes time and good use of the English language. (This is not meant as an insult, everybody has different talents and things they are good at - I can't even wire a plug, let alone build a house!!!)

2. If you are sure of the date when the "debt" occurred, i.e. the date the property was sold, which I presume was in the same year - 1992? You can just carry on ignoring their letters until that date in 2004 and then write back and politely tell them they are out of the limitation period. One would assume that if they haven't set a court date yet, they are not going to.

If you choose this option, you must be absolutely certain of your timing, because writing to them before the 12 years are up could lead to option 1. being your only option!

Whichever course of action you choose, you must NEVER admit any liability for the debt. It would be a good idea to read as much as you can on this site, particulary the Do's and Don'ts section. Fore- warned is fore-armed. I am sure that you will find lots of support and advice on this site to help you.

Good luck.

Tracey

(posted 7727 days ago)

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