Nolans/Cabot Court threat letter... SOS!

[Dawn2222]

I'm hoping for some advice or pointers on how to handle a debt recovery situation....

I've received a letter from Nolans Solicitors saying that if I don't pay an old debt of approx £1300 within 7 days or make an acceptable payment proposal, they may raise court proceedings against me. The court decree would be valid for 20 years.

I am not sure if I do owe this money, however I have had a turbulent few years so I may do! Currently I am unemployed but classed as a carer for my two disabled children.

Any advice would be greatly appreciated

Thanks

[echat11]

Hi Dawn

Welcome to LB

I take it that you live in Scotland.

Try to stay calm, your priority are your children, everything else is secondary.

a) Have you made a payment in the last 5 years? Have you every acknowledge the debt in the last 5 years?

If the answers to the above questions is 'yes', then the debt might be 'statute barred'.

b) What you could do is fill in a Income and Expenditure form (take into account the cost of living, energy, food etc), send it in with a covering letter, explain that 'I am unemployed but classed as a carer for my two disabled children.' Make sure you get Proof of Postage. If you can't make payments, it is pointless them taking you to Court.

c) Because you are a carer for your two disabled children, you could ask them to 'write off' the debt, again get Proof of Postage.

https://www.citizensadvice.org.uk/de...your%20reasons.

Update the thread for more input.