03333440141

IHTM28384 - Legislation Regarding Debts: Time-Barred Claims If a creditor remains idle and does not seek payment over a certain timeframe, their ability to reclaim the debt may be hindered. According to the Limitations Act of 1980, the relevant timeframes are as follows: - For straightforward contracts, it’s 6 years. - For deeds, it extends to 12 years. Should the borrower concede the existence of the debt in writing or make a partial payment during the initial limitation timeframe, the countdown begins anew based on the date of that acknowledgment or payment. It's crucial to note that, despite being time-barred from taking action, a debtor might still opt to settle the debt post the expiration of these limits. Consequently, you ought to recognise such a payment-even if the debt is typically considered statute-barred-if the personal representatives make the payment and you have sufficient documentation to confirm the transaction. These guidelines are not applicable in Scotland. Under the Scottish legal framework, if a lender allows a significant duration to elapse without taking action for payment, their ability to recover the debt may be restricted under the Prescription and Limitation (Scotland) Act of 1973. (For more details, one can refer to Gloag and Henderson's 12th edition in Chapter 4). Such debts are entirely nullified and cannot be enforced. Once the prescriptive timeline has lapsed, the debt is no longer permissible as a deduction.

I’m absolutely tired of these numpties incessantly ringing my number. It was driving me bonkers, so I’ve taken to picking up the phone and acting like I run a Chinese takeaway. It gives me a right laugh, but honestly, the calls are maddening! They either drop the line straight away or hang about for a mere few seconds, which really winds me up!

They keep ringing me like 3 or 4 times daily but I've never picked up. If it was really important, they’d just leave a voicemail. If not, just buzz off.

They kept ringing non stop but wouldn’t tell me anything until I gave them my personal details. Suspicious if you ask me!

These individuals persist in ringing both our landline and mobile phone continuously.

Since November 2013, I've been getting about four calls daily from this number, but they never leave a voicemail or say anything when I pick up.

This number keeps ringing my phone about four times every day. It usually stops after just a few rings without anyone saying anything. I've never had a message from them either.

Since January, I’ve been getting loads of calls from this number. I always have caller ID and make a point of checking who’s ringing before picking up. If I don’t know the number, I just let it ring out. Normally, if something’s urgent, people leave a voicemail, but this number never does. I never pick up, yet they keep ringing me repeatedly without dropping any message.

I keep getting calls from this number but they never leave me a voicemail or say anything. It's really annoying.

I've had this number ring me up loads, and every single time they want my birthdate and where I live, but won’t say why unless I hand it over first. It's so annoying, proper pestering!

I get calls from 03333 440141 pretty much every day, like 4 or 5 times. The one time I did pick up, there was no one on the other end, so now I just ignore it. They never bother leaving a voicemail or anything either.

Since the 2nd of Jan 2013, I've been getting two calls every day from this number. Only answered once, but nobody was there. For example, on 2/1 it rang at 11:25 and 15:20, then on 3/1 at 10:20 and again at 14:28. On 4/1 it called me at 10:29. Following that, on the 7th it was 13:49 and 16:28, then on 8/1 at 10:07 and 14:51. Finally, on 10/1 there were calls at 11:36 and 15:32. Really annoying!

Got a call from a place called Welcome Finance demanding I pay off a debt from way back in 2000.