Hi,
I received two letters today from Restons Solicitors, which after looking around appear to be in the business of debt collection? They have exactly the same reference so I am not sure why there was two letters, I would have thought that two debts would be registered under different references.
I believe the debt is likely related to a default I had about 8 years ago with Yorkshire Bank (messy divorce, I ended up with no assets but all the debt).
I understand that under the statute of limitations, they cannot enforce the debt, however my only concern is that around 4-5 years I was contacted, and at the time I made a few £10 payments. As I was unemployed at the time I couldn't keep up with it, however does this cancel out the statute of limitations as to when the debt was originally registered? I know from my credit reports they have classed it has no longer valid?
The letters from Restons are purely looking to confirm if I live here at the moment. I was planning on not responding and see what happens next - is this the right course of action?
If they do respond stating I owe them outstanding debt as above, what would be the recommended course of action?
Many thanks
I received two letters today from Restons Solicitors, which after looking around appear to be in the business of debt collection? They have exactly the same reference so I am not sure why there was two letters, I would have thought that two debts would be registered under different references.
I believe the debt is likely related to a default I had about 8 years ago with Yorkshire Bank (messy divorce, I ended up with no assets but all the debt).
I understand that under the statute of limitations, they cannot enforce the debt, however my only concern is that around 4-5 years I was contacted, and at the time I made a few £10 payments. As I was unemployed at the time I couldn't keep up with it, however does this cancel out the statute of limitations as to when the debt was originally registered? I know from my credit reports they have classed it has no longer valid?
The letters from Restons are purely looking to confirm if I live here at the moment. I was planning on not responding and see what happens next - is this the right course of action?
If they do respond stating I owe them outstanding debt as above, what would be the recommended course of action?
Many thanks
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