Please help

[RANA]

Hello
I have a law firm acting on behalf of a creditor
who has bought an old debt which is statute-barred
that I think this creditor bought it in 2019,
I have no signed contract with their client, nor any contact.
I may have made a wrong move by replying to the solicitor's Pre-action protocol by disputing the debt
because I thought I was disputing
the original creditors' claim
but it was their client's claim
which I have not acknowledged in any way shape or form
I am fairly confident they will take it to court in the hope I do not contest it
the debt is in my name with an old address but they have somehow found my current address
Have I acknowledged the Debt by replying to the solicitor's Pre-action protocol?
What could I do Please?
thank you

[echat11]

Hi RANA

Welcome to LB

When was the account opened?

If your fairly confident that they will take the matter (debt) to Court, why not send them a statute barred letter.

Start the letter off with, 'Further to my dispute letter of XX August 2024',

https://legalbeagles.info/forums/for...ed-debt-letter

Make sure you get Proof of Postage.

You will know exactly where you stand

[atticus]

You cannot set the clock running again by an acknowledgement made after expiry of the limitation period. Sending the "statute barred" letter is not an acknowledgement of liability.

If you dispute the original creditor's claim you are in effect also disputing the claim of the creditor by assignment.

[RANA]

atticus thank you for your reply

Please could you tell me if
the solicitors can take me to court

[atticus]

Anyone can be taken to court. However, you appear to have a good defence if this creditor instructs its solicitors to issue a court claim.

[RANA]

Thank you