Response to Debt collection and legal action

I believe they can Myrto. This six year limit is a voluntary code of practice and if it was a 1994 repossession and they found you in April 2000, unless the repossession was between January and the date of their letter/contact with you in April, but of 1994 (if you see what I mean), they are just within the limit. I am so sorry for you, I was in the same position with 2 small kids and another on the way, no assets etc etc. My lenders' insurance Co is still after me, despite the fact that my voluntary repossession was in 1991. I tried to fight them for five years and all it did was ruin me and uproot my whole family. This said, had I had access to this brilliant website back then, I am sure it would all be over by now. You would qualify for legal aid wouldn't you? Follow the instructions on this website, but don't fill in ANY of their questionnaires/I&E forms. Tough though it is, you have to face them off now, unless you want to be hounded for over a decade like me and a few others on this site. Everyone says they can't get blood out of a stone, but they can..and do..they have no scruples these people.

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