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Hi, i please require help as to whether this could be statute barred or not and where to go from here, seems from research it depends on the default notice date and not the actual default date? would the notice date not be prior to the actual default date? confused and stressed.
Received a claim? Yes
Issue Date: 09 May 2019
Have you Acknowledged the Claim?: NO
Total Amount Claimed : £7000
Claimant’s Name: ARROW GLOBAL
Solicitors Firm: DRYDENS LIMITED
Original Creditor: HSBC
Original Debt : BUSINESS OVERDRAFT
Particulars of Claim: I was meant to be a signatory on a new business that I helped a friend out with as was same type of business as mine but different location, HSBC unfortunately set it up wrong and i became liable for the £5k overdraft that they let run up. Also cost me approx £1.5k in unpaid stock i supplied it.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): This is where i am not sure, it has been posted on my credit file (under ARROW) with a default date of 28/12/2012 (though it seems ARROW took the debt 28th march 2014) and is now removed due to 6 years. I have never acknowledged the debt (as it wasn't meant to be mine!) and the other party has never been chased for it either so has not acknowledged it with ARROW as they have never contacted him.
List any letters you have sent (eg: CCA/ CPR ): i have not sent any
Any Other Information or Background Details: the £5k (the figure i thought it was) became £6.5k once ARROW took it over.
Kind regards
Received a claim? Yes
Issue Date: 09 May 2019
Have you Acknowledged the Claim?: NO
Total Amount Claimed : £7000
Claimant’s Name: ARROW GLOBAL
Solicitors Firm: DRYDENS LIMITED
Original Creditor: HSBC
Original Debt : BUSINESS OVERDRAFT
Particulars of Claim: I was meant to be a signatory on a new business that I helped a friend out with as was same type of business as mine but different location, HSBC unfortunately set it up wrong and i became liable for the £5k overdraft that they let run up. Also cost me approx £1.5k in unpaid stock i supplied it.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): This is where i am not sure, it has been posted on my credit file (under ARROW) with a default date of 28/12/2012 (though it seems ARROW took the debt 28th march 2014) and is now removed due to 6 years. I have never acknowledged the debt (as it wasn't meant to be mine!) and the other party has never been chased for it either so has not acknowledged it with ARROW as they have never contacted him.
List any letters you have sent (eg: CCA/ CPR ): i have not sent any
Any Other Information or Background Details: the £5k (the figure i thought it was) became £6.5k once ARROW took it over.
Kind regards
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