Robinson way.... Hoist

[Tom220787]

So after nearly ten years of avoid a personal Loan with HSBC (£10,000) moving addresses, sofa surfing, unemployment and being a general idiot. I’ve got my life back on track been employment for 5 years and had a very basic account with Santander but last week I received a letter from Robinson way saying I owe £7500 pounds ( I payed back £2500 before losing my job and rented property) any advice would greatly appreciated thanks!

[CharlieP]

When was the last time you made a payment or acknowledged the debt?

[Amethyst]

Further to Charlie's post this may be of interest if it has been over six years - https://legalbeagles.info/forums/for...ed-debt-letter

[Tom220787]

I stopped paying the loan and having any contact with hsbc about 9 years ago... I cannot find any ccj on my credit report. So am I right in thinking the loan is unenforceable and Robinson way are bulk buying old debt and trying too fish me? My credit is starting too get back on track and I’m starting too save and try clean my credit score up for the future! Ps thanks for any advice and help guys I’m struggling too find answers cheers

[Amethyst]

Have Robinson way said there is a ccj in place ?

[Tom220787]

They haven’t mentioned a ccj just keep asking me too contact them via letter or email. I payed the 2500 pounds before I defaulted about 9 years ago and haven’t paid a penny since I think the loan is status barred but is there anyway to be 100% sure ps thanks

[Tom220787]

And no ccj on my credit checks I’ve done.