Firstly here are the details of the debt.
Just over 7 years ago My house was repossesed. (House was in England, debt with an english mainstream bank).
At the same time I had a loan from Lloyds bowmaker for double glazing.
I left the house, posted the keys to the bank and have not heard a single word from them since then.
I have moved house a few times since then, not to avoid them, but through necessity of work (although I guess this made me difficult to trace and I had no interest in keeping them up to date).
I now live in Scotland.
I have not made a payment on the debt during the last 7 years and have not written to the creditor admitting that I owe the debt during the last 7 years.
Also as far as I know, the creditor has not obtained a judgment against me in regards to this debt.
Last week, I was contacted by a debt collection company regarding the Lloyd Bowmaker debt (not the mortgage).
My questions are:
Is this debt now statute barred ?
Will this rule still stand as I now live in scotland (but the debt was originally in england, to an english company whilst I was an resident in england) ?
I can't remember if the loan was secured or not, would that matter ?
Thanks for your help in this matter.