Statute Barred Debt , is an email considered a "written Acknowledgement of the debt"

[gems4522]

I acknowledged a debt by email that is just short of 6 years old. The debt collector emailed me back saying they could only do this in writing. I did not respond so they then sent me a letter to my old address saying they would take a small payment. Does my email constitute a legal obligation to pay it or does it actually have to be in writing?

Thanks to anyone who can help

[Diana M]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

What did you actually say in your email?

Di

[gems4522]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

They wanted 6000 I said the letter had been forwarded on to me but could not afford it but could pay 35 a month, I did it as I thought they were going to take me to court. Have I screwed up?

Thanks for the quick response

[Diana M]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

They wanted 6000 I said the letter had been forwarded on to me but could not afford it but could pay 35 a month, I did it as I thought they were going to take me to court. Have I screwed up?

What a refreshingly honest question

From what you say you may have acknowledged the debt I'm afraid.

When do you believe this debt will become statute barred? Is there a slim chance it already has?

Di

[nemesis45]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

I acknowledged a debt by email that is just short of 6 years old. The debt collector emailed me back saying they could only do this in writing. I did not respond so they then sent me a letter to my old address saying they would take a small payment. Does my email constitute a legal obligation to pay it or does it actually have to be in writing?

Thanks to anyone who can help

Please tell us exactly what you said in your e-mail.

nem

[Diana M]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

They wanted 6000 I said the letter had been forwarded on to me but could not afford it but could pay 35 a month, I did it as I thought they were going to take me to court.

Another question is what is the £6k debt for?

While you may fear being taken to court, you may fear that less if there was any chance they might lose or you might win

Di

[gems4522]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

It was 4K for a credit card, I lost my job and in no time it was 6K. I didn't pay to start with because I had 2 separate debt agencies both saying I owed it to them for slightly differing amounts (well 900 different actually). I think when I wrote the email I had 3 months till the 6 years was up since I made the last payment.

Thank you very much for the quick response!

[Diana M]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

It was 4K for a credit card, I lost my job and in no time it was 6K. I didn't pay to start with because I had 2 separate debt agencies both saying I owed it to them for slightly differing amounts (well 900 different actually). I think when I wrote the email I had 3 months till the 6 years was up since I made the last payment.

How long ago since the debt collector chased you and you replied to them by email, or have things gone quiet again?

Who is the original creditor or has the debt been sold on to a debt purchaser?

When did you open the account?

Di

[gems4522]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

3 months ago, yes it has gone quiet, the debt has been sold on numerous times, I opened the account about 11 years ago.

[gems4522]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

Nem

As to exactly what I said I am reluctant to put it on the forum as I am sure the debt boys read this site? Should I send it by private message and then you can reply publicly on the forum?

[Diana M]

Re: Statute Barred Debt , is an email considered a "written Acknowledgement of the de

3 months ago, yes it has gone quiet, the debt has been sold on numerous times, I opened the account about 11 years ago.

In which case I would send a s.78 CCA Request to the next person who writes to you because a debt from an account opened in 2005 may have the potential to be unenforceable in court anyway. There's a template letter for that on this forum.

If three months have gone by since you sent that email there's hope that the next debt collector won't even know you sent it

Maybe keep under the radar until someone writes to you and then respond with the CCA Request. Hopefully the debt will be SB by then.

Di