- Mon Feb 14, 2011 9:45 am
jimmyt wrote:I have read that the debts cannot be collected after 6 years but this option would leave me unable to start again re credit rating etc.
Just to clarify that a little more... debts that haven't been acknowledged for 6 years can
be collected (and are likely to be pursued if they find you...), it's just that they can't start legal proceedings through the courts against you, or unduly hassle you, to collect after that time.
However, as nomlas says, if during your absence some County Court Judgements have been awarded against you, these remove the 6 year limit and can be legally collected (ie by the courts/baliffs) at any time - but again, only if they find you...
Ways of finding you vary - it could be through direct contact of course, or through requesting credit reports, or even through tax collection and working etc. They do have some pretty devious ways, but at the same time, they have to make the effort to look.
However, it's well worth pointing out that all is not lost if they do
find you. You are, after all, asking how to wipe the slate clean and finding it difficult to do so without being able to access your credit files.
That's really the point of this forum. We don't advocate debt avoidance (although we also don't necessarily suggest that you wave a big flag either!) but we can and do help those that wish to find a practical way through debt problems.
Nearly all have us have been in the same boat and many of us are successfully through it now.