Statute Barring

[Kat1973]

Hi All,

This has been eating at me for a while so I thought I'd ask the experts (ie you lovely people).

As anyone who has read my threads previously knows,my ex boyfriend did a runner to Australia leaving me with about 20K debet in my name, he also left behind over 60K in his own name (having failed to pay anything on an IVA which was set up). He has been chased pretty much continuously by the creditors and also DCA's for the last few years. I now know that he is trying to stave them off with requests for CCA's and that he thinks that the debts will end up statute barrred and that will be the end of it.

Is this true? Once the debts hit 6 years they just get written off and he gets away scot free?

If I sound bitter it's because I am having to face the music for debts he ran up on my cards (I know,I'm an idiot he's a convincing liar) with a DMP and almost wondering why I'm bothering.

Rant over, comments welcome!

Kat x

[Celestine]

Re: Statute Barring

I'm afraid if he's determined to stay in Oz he will probably get away with it.

If a debt has not been acknowledged and addressed in 6 yrs it becomes statute barred.

There are however many companies who buy up statute debt cheaply and continue to pursue the debtor. Some people get caught out this way. Your ex is probably wiser than that. But in his case, being so far away, it will probably not be worth their while.

By sending them CCA requests etc, he is effectively zeroing the clock, because he is in a sense 'dealing' with the debt. It depends what he is saying in the requests tbh, he may deny all knowledge of the debt but be demanding they prove it's validity.

Do you own the property in which you live? Just a thought......

[Kat1973]

Re: Statute Barring

Hi Celestine.

No I rent.

I'm guessing though that when he agreed to the IVA that could be seen as admitting the debt (even though he never bothered to pay it).

I'm sure they wont catch up with him in Oz - though he did make me send a few CCA requests out for him after he had left the country so someone is still chasing him - I've just sent both of them his parents address and phone number....

I'm guessing his credit record here will be hideous though? I suppose that's something and makes it unlikely he'll come back any time soon!