ChatterBank1 min ago
Does anyone have outstanding money owing to the furniture company Courts?
3 Answers
Just before Courts went bust we had our bedroom furniture delivered. Then 2 days after they went bust. Nothing more was send about the credit agreement until I queried something on my credit file. When I phoned this company to ask who they were it was the finance company from Courts. I had a U on the account meaning it was in dispute. After that I had not heard anything from them until now. They have now passed on the debt to a recovery company and the amount has now doubled!!
Also to add another twist, when I left my now x partner she would not let me take any of the furniture that I would have to eventually pay for!! She did say that when it come through she would pay it as she has got it, but guess what, now she denies saying it and still won't let me have the furniture!!
Can the company ask for the money after 4 years or so? Can they do this? Would I be still be liable for the furniture even thou the x has it?
Also to add another twist, when I left my now x partner she would not let me take any of the furniture that I would have to eventually pay for!! She did say that when it come through she would pay it as she has got it, but guess what, now she denies saying it and still won't let me have the furniture!!
Can the company ask for the money after 4 years or so? Can they do this? Would I be still be liable for the furniture even thou the x has it?
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Yes they can ask for the money after 4 years, why did you not pay anything? The finance would have been arranged with a finance company totally separate from Courts so the fact that they went bust didn't mean that you didn't have to pay! It doesn't matter who has the furniture now, if your name is on the agreement then you are liable.
Have you not received any correspondance about this before now or has it been going to your ex's address?
Have you not received any correspondance about this before now or has it been going to your ex's address?
There is no time limit for pursuing debt.
There is a statutory time limit of six years, which means the creditor cannot start court proceedings after 6 years from the last contact from the debtor,.
This does not apply if the debtor has moved and failed to notify the company of the new address - court proceedings can be started at any time in that case.
Your disputes with your ex are unfortunate but nothing to do with the loan company unless the debt was in joint names, in which case they can chase her for the money as well.
The debt company are acting within the law.
There is a statutory time limit of six years, which means the creditor cannot start court proceedings after 6 years from the last contact from the debtor,.
This does not apply if the debtor has moved and failed to notify the company of the new address - court proceedings can be started at any time in that case.
Your disputes with your ex are unfortunate but nothing to do with the loan company unless the debt was in joint names, in which case they can chase her for the money as well.
The debt company are acting within the law.
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