Hoist Finance ex Barclaycad

[Guest]

Hi can I get some help please!!!!
I've just received a court claim from Hoist for £9527.12 plus fees so total £10037.12.
I have acknowledged the claim & printed off the cca & car letters ready to send. How do I know if this debt is statute barred? It was from 2013 and I think I defaulted in in 2014/15. Any Help Please would be appreciated

[pt2537]

Hi can I get some help please!!!!
I've just received a court claim from Hoist for £9527.12 plus fees so total £10037.12.
I have acknowledged the claim & printed off the cca & car letters ready to send. How do I know if this debt is statute barred? It was from 2013 and I think I defaulted in in 2014/15. Any Help Please would be appreciated

Hi

The debt becomes statute barred IF more than 6 years have passed between the expiry of the Default notice served under s87 CCA 1974, and no payment or acknowledgment has been made in those 6 years, and crucially you havent been sued inside those 6 years, As long as there is a clear unbroken period of 6 years from the day the default notice expired, where you made no payment or acknowledgment of the debt and no claim has been issued, you would have a good argument for limitation.

Look at the case of PRA v Doyle which confirms this