Statute Barred

[luxardo]

I had a credit card with HSBC in 2008 which I didn't pay. My last payment was in 2010, I have had no contact with them at all since 2010.
I have checked my credit file and noticed that the debt is now with Hoist Portfolio Holdings and they claim the default date was 2013.
Is the debt statute barred 6 years after 2010 (2016) or 6 years after 2013 (2019) ?

[zeke]

Its barree from the date you last acknowledged the debt. If they get a judgment or a high court writ, you can get it set aside.

[Syd Snitkin]

Its barree from the date you last acknowledged the debt. If they get a judgment or a high court writ, you can get it set aside.

It's barred 6 years from the date of the default notice. Send them a section 77 notice asking for evidence of the default date, copy of the original agreement, notice of assignment and statement of account.

[luxardo]

It's barred 6 years from the date of the default notice. Send them a section 77 notice asking for evidence of the default date, copy of the original agreement, notice of assignment and statement of account.

I no longer have any documentation, not even the account number. Can I still send them a section 77 ?
I did send them an objection via clearscore stating the default was not 2013 and asking them to remove the entry but they refused.

[Syd Snitkin]

Use the ref number they've provided. You don't need any documentation - you're asking them to produce it. If they can't produce it then they can't enforce.