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Original poster

To not repay 20 year old debt?

41 replies

phonecallfromtheblue · 20/05/2024 15:44

I’ve just had a phone call from a debt collector (seems legit enough) about money I owe. It’s true and I did have a store card in 2004 when I was very young and stupid.

Obviously it’s now twenty years later and I think contacting me about it now is ridiculous. I get that morally I might be liable but surely legally I’m not after this amount of time has gone by?

OP posts:
Original poster
phonecallfromtheblue · 20/05/2024 16:45

Yes but @NewName24 there are obvious differences. If you want to start a thread about the moral aspect feel free but it’s not what I’m about. I can’t possibly pay it back and if I started to would make myself liable for the full amount basically fucking up my finances!

OP posts:
NewName24 · 20/05/2024 16:43

Why not ?

A loan is a loan.
One person lends, one borrows.
Either way, the contract (whether written, verbal, or implied) with ANY loan, is that the borrower returns what they have borrowed, to the lendee.

Idontjetwashthefucker · 20/05/2024 16:20

NewName24 · 20/05/2024 16:17

What would you have done if someone contacted you, wanting to repay you money you were owed since 2004 ?

Not comparable at all

Original poster
phonecallfromtheblue · 20/05/2024 16:20

NewName24 · 20/05/2024 16:17

What would you have done if someone contacted you, wanting to repay you money you were owed since 2004 ?

That’s not even close to being the same 😂

@PBandJ111 yeah, Argos.

OP posts:
NewName24 · 20/05/2024 16:17

What would you have done if someone contacted you, wanting to repay you money you were owed since 2004 ?

PBandJ111 · 20/05/2024 16:16

Does the store even exist now?

LaurieFairyCake · 20/05/2024 16:11

If they've had no contact with you and you haven't paid or acknowledged the debt in six years you don't have a legally force able debt any more

3luckystars · 20/05/2024 16:03

That’s mad are you are it’s not a scam?

ClipClopperDontStopper · 20/05/2024 16:02

Ignore it.

SquirrelRed · 20/05/2024 15:53

phonecallfromtheblue · 20/05/2024 15:51

Thanks. I’m reluctant to pay anything towards it as that would then make it ‘live’ again, wouldn’t it?

Yes it would

MooseBeTimeForSnow · 20/05/2024 15:52

Do not confirm the debt in writing - don’t send any letters, emails or texts.

Original poster
phonecallfromtheblue · 20/05/2024 15:51

Thanks. I’m reluctant to pay anything towards it as that would then make it ‘live’ again, wouldn’t it?

OP posts:
IhateSPSS · 20/05/2024 15:48

Statute of limitations is as PP said 6 years. Look on Moneysavingexpert forums - there's lots of threads on Debt Collectors tactics.

SquirrelRed · 20/05/2024 15:47

A debt normally can't be enforced if a payment/contact hasn't been made within the last 6 years

Katiesaidthat · 20/05/2024 15:46

I´m sure that has lapsed...

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