6 1/2 years ago I went through a divorce, I gave over my house with £65000 capital cars and savings to provide a place of safety for my young child and his mother.
In the separation I occurred £20000 in debt, I lost my job and ended up moving abroad to live. I have returned to the uk and I am slowly building my empire back up.
The debts that I occurred are 5 and 1/2 years old, one got in contact threatening court action so I moved house straight away. I am not in a position to pay them off yet. However I think it worth waiting out for them to be statured barred. The only issue I have is with the company that found me. Can they take me to court? Do they need to deliver a letter of intent directly to me? They have been notified that I no longer reside there. Being a credit card debt I am unsure of the procedures they have to follow. I feel bad for trying to avoid the payment but I have little choice. I have noticed I the letter they sent that the address in which the credit card was for is not mine and I have never lived there, also there is no signature or T&Cs relating to me signing up..
Advise would be appreciated