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https://nationaldebtline.org/get-information/sample-letters/time-has-run-out-recover-debt-s/
Submission: On September 23 via manual from IN — Scanned from GB
Submission: On September 23 via manual from IN — Scanned from GB
Form analysis 3 forms found in the DOM
GET https://nationaldebtline.org/
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<div class="content-caution">
<div class="heading-caution">This sample letter is not relevant in England and Wales</div>
<div class="body-caution">To view this sample letter for England and Wales, please <a href="javascript:void(0)" onclick="switchRegionToEngland()">click here</a>.</div>
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<div class="d-print-none">
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<div class="instructions">
<p>Use this letter to help you dispute liability for ‘simple contract’ debts. You must be reasonably sure that you have not made a payment or written acknowledging that you owe the debt during the five year period. You can find
information about how to use this letter in our topic <a href="https://ndlprivate.nationaldebtline.org/S/guides/Pages/statute-barred-debt-scotland/time-limits-for-recovering-debts.aspx"><b>Time limits for recovering debts</b></a>.</p>
<p>You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.</p>
<ul>
<li>Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.</li>
<li>Today’s date will be added automatically.</li>
<li>Sign each letter and enclose a copy of your budget if needed.</li>
</ul>
</div>
</div>
<div class="letter-type">
<h3 id="letter-type" class="h3 d-flex align-items-center justify-content-between joint">Letter in joint names</h3>
<p>You can choose to send a letter <strong>in your own name or in joint names</strong>. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.</p>
<div>
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Change to <strong><span id="type-name">joint</span> </strong> version
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</div>
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</div>
<div class="card card-hollow card-dashed mt-4 no-margin-print">
<div id="sample-letter-form-body" class="card-body sample-letter-form-body">
<div class="row-sample-letter">
<div class="form-group col-sm-5 print-p-t">
<div class="sample-letter-field"><label for="name_of_the_organisation_you_are_writing_to" class="sr-only">Name of the organisation you are writing to (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[name of the organisation you are writing to]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)"
id="name_of_the_organisation_you_are_writing_to" name="name_of_the_organisation_you_are_writing_to" value="" placeholder="[name of the organisation you are writing to]*" required="required"
class="form-control sample-letter-field-control hide-placeholder-print text-left">
</div>
<div class="invalid-feedback text-left">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Name of the organisation you are writing to</strong><span class="sample-letter-field-hint">Include
the name of the person or creditor you are writing to.</span></span>
</div>
<div class="sample-letter-field"><label for="their_address_line_1" class="sr-only">Their address line 1 (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[their address line 1]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="their_address_line_1"
name="their_address_line_1" value="" placeholder="[their address line 1]*" required="required" class="form-control sample-letter-field-control hide-placeholder-print text-left">
</div>
<div class="invalid-feedback text-left">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Their address line 1</strong><span class="sample-letter-field-hint">Make sure you include the full
address for the person or organisation. Don't forget the post code.</span></span>
</div>
<div class="sample-letter-field"><label for="their_address_line_2" class="sr-only">Their address line 2</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[their address line 2]</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="their_address_line_2"
name="their_address_line_2" value="" placeholder="[their address line 2]" class="form-control sample-letter-field-control hide-placeholder-print text-left">
</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Their address line 2</strong></span>
</div>
<div class="sample-letter-field"><label for="their_address_line_3" class="sr-only">Their address line 3</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[their address line 3]</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="their_address_line_3"
name="their_address_line_3" value="" placeholder="[their address line 3]" class="form-control sample-letter-field-control hide-placeholder-print text-left">
</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Their address line 3</strong></span>
</div>
<div class="sample-letter-field"><label for="their_postcode" class="sr-only">Their postcode (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[their postcode]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="their_postcode" name="their_postcode"
value="" placeholder="[their postcode]*" required="required" class="form-control sample-letter-field-control hide-placeholder-print text-left">
</div>
<div class="invalid-feedback text-left">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Their postcode</strong><span class="sample-letter-field-hint">Don't forget their
postcode.</span></span>
</div>
</div>
<div class="form-group col-sm-5 offset-md-2">
<div class="sample-letter-field"><label for="your_address_line_1" class="sr-only">Your address line 1 (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[your address line 1]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="your_address_line_1"
name="your_address_line_1" value="" placeholder="[your address line 1]*" required="required" class="form-control sample-letter-field-control hide-placeholder-print text-right">
</div>
<div class="invalid-feedback text-right">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Your address line 1</strong><span class="sample-letter-field-hint">Make sure you include your full
address.</span></span>
</div>
<div class="sample-letter-field"><label for="your_address_line_2" class="sr-only">Your address line 2</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[your address line 2]</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="your_address_line_2"
name="your_address_line_2" value="" placeholder="[your address line 2]" class="form-control sample-letter-field-control hide-placeholder-print text-right">
</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Your address line 2</strong></span>
</div>
<div class="sample-letter-field"><label for="your_address_line_3" class="sr-only">Your address line 3</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[your address line 3]</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="your_address_line_3"
name="your_address_line_3" value="" placeholder="[your address line 3]" class="form-control sample-letter-field-control hide-placeholder-print text-right">
</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Your address line 3</strong></span>
</div>
<div class="sample-letter-field"><label for="your_postcode" class="sr-only">Your postcode (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[your postcode]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="your_postcode" name="your_postcode"
value="" placeholder="[your postcode]*" required="required" class="form-control sample-letter-field-control hide-placeholder-print text-right">
</div>
<div class="invalid-feedback text-right">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Your postcode</strong><span class="sample-letter-field-hint">Don't forget your
postcode.</span></span>
</div>
<p class="text-right mt-3 date-text">
<span class="print-letter">23rd September 2024</span>
<span class="print-template hidden">[today’s date]*</span>
</p>
</div>
</div>
<div id="inner-form" class="inner-form print-form-values">
<div class="mb-3">Dear Sir/Madam</div>
<div class="mb-3"><strong>Account No:</strong>
<div class="sample-letter-field is-inline" style="width: 290px;"><label for="your_account_or_reference_number" class="sr-only">Your account or reference number (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[your account or reference number]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)"
id="your_account_or_reference_number" name="your_account_or_reference_number" value="" placeholder="[your account or reference number]*" required="required"
class="form-control sample-letter-field-control hide-placeholder-print text-center is-inline">
</div>
<div class="invalid-feedback text-center">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Your account or reference number</strong><span class="sample-letter-field-hint">You will find your
account or reference number on any paperwork from your creditor.</span></span>
</div>
</div>
<div class="mb-3">You have contacted<span class="switch-sole"> me </span><span class="switch-joint d-none"> us </span>regarding the account with the above reference number, which you claim<span class="switch-sole"> <span
class="switch-sole">I </span><span class="switch-joint d-none">We </span></span><span class="switch-joint d-none"> we </span>owe.<span class="switch-sole"> <span class="switch-sole">I </span><span class="switch-joint d-none">We
</span></span><span class="switch-joint d-none"> we </span>do not admit any liability for your claim.</div>
<div class="mb-3">The <strong>Prescription and Limitation (Scotland) Act 1973 Part 1, Section 6</strong> states the following.</div>
<div class="mb-3"><strong>“If after the appropriate date, an obligation to which this section applies (an appropriate debt) has subsisted for a continuous period of five years-</strong></div><strong>
<div class="mb-3">(a) without any relevant claim having been made in relation to the obligation, and</div>
<div class="mb-3">(b) without the subsistence of the obligation having been relevantly acknowledged,</div>
</strong>
<div class="mb-3"><strong>then as from the expiration of that period the obligation shall be extinguished…”</strong> </div>
<div class="mb-3">Also, the <strong>Financial Conduct Authority's Consumer Credit sourcebook</strong> states the following:</div>
<div class="mb-3"><strong>"In Scotland, a statute barred debt ceases to exist and is no longer recoverable if:</strong></div><strong>
<div class="mb-3">(1) a relevant claim on behalf of the lender or owner has not been made during the relevant limitation period; and</div>
<div class="mb-3">(2) the debt has not been acknowledged by, or on behalf of, the customer during the relevant limitation period." 7.15.3</div>
</strong>
<div class="mb-3"><strong>"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8</strong> </div>
<div class="mb-3">Unless you can provide evidence of payment or written contact from<span class="switch-sole"> me </span><span class="switch-joint d-none"> us </span>in the relevant period under <strong>Part 1 Section 6</strong> of the
above Act, you are no longer able to take any court action against<span class="switch-sole"> me </span><span class="switch-joint d-none"> us </span>to recover the amount you allege<span class="switch-sole"> <span class="switch-sole">I
</span><span class="switch-joint d-none">We </span></span><span class="switch-joint d-none"> we </span>owe.</div>
<div class="mb-3">Please confirm in writing that you will not make any further contact about the above claim and confirm that this matter is now closed.</div>
<div class="mb-3"><span class="switch-sole">I </span><span class="switch-joint d-none">We </span>look forward to hearing from you.</div>
<div class="mb-3">Yours faithfully</div>
<div class="sample-letter-field is-inline" style="width: 197px;"><label for="include_your_full_name" class="sr-only">Include your full name (required)</label>
<div>
<div aria-hidden="true" class="sample-letter-field-hidden-placeholder text-center">[include your full name]*</div><input type="text" onfocus="handleFocusInput(this)" onblur="handleBlurInput(this)" id="include_your_full_name"
name="include_your_full_name" value="" placeholder="[include your full name]*" required="required" class="form-control sample-letter-field-control hide-placeholder-print text-left is-inline">
</div>
<div class="invalid-feedback text-left">This field is required.</div><span class="valid-tooltip sample-letter-field-tooltip"><strong>Include your full name</strong></span>
</div>
</div>
</div>
</div>
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<button class="button-primary-with-text" href="javascript:void(0)" id="print-form" type="submit" aria-label="Print letter without populated fields and with instructions">Print letter</button>
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TIME HAS RUN OUT TO RECOVER THE DEBT (SOLE NAME)
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Sample letters
Time has run out to recover the debt
Back to index
This letter is relevant in Scotland.
TIME HAS RUN OUT TO RECOVER THE DEBT (SOLE NAME)
Use this letter to help you dispute liability for ‘simple contract’ debts in
Scotland. Make sure that you have not made a payment acknowledged the debt
within 5 years.
This sample letter is not relevant in England and Wales
To view this sample letter for England and Wales, please click here.
Use this letter to help you dispute liability for ‘simple contract’ debts. You
must be reasonably sure that you have not made a payment or written
acknowledging that you owe the debt during the five year period. You can find
information about how to use this letter in our topic Time limits for recovering
debts.
You can choose to send a letter in your own name or in joint names. You may have
a debt in joint names, or want to write to your creditors together because you
have worked out a joint budget.
* Fill in your contact details, account number and any extra information you
want to include in the grey shaded areas.
* Today’s date will be added automatically.
* Sign each letter and enclose a copy of your budget if needed.
LETTER IN JOINT NAMES
You can choose to send a letter in your own name or in joint names. You may have
a debt in joint names, or want to write to your creditors together because you
have worked out a joint budget.
Change to joint version
Name of the organisation you are writing to (required)
[name of the organisation you are writing to]*
This field is required.
Name of the organisation you are writing toInclude the name of the person or
creditor you are writing to.
Their address line 1 (required)
[their address line 1]*
This field is required.
Their address line 1Make sure you include the full address for the person or
organisation. Don't forget the post code.
Their address line 2
[their address line 2]
Their address line 2
Their address line 3
[their address line 3]
Their address line 3
Their postcode (required)
[their postcode]*
This field is required.
Their postcodeDon't forget their postcode.
Your address line 1 (required)
[your address line 1]*
This field is required.
Your address line 1Make sure you include your full address.
Your address line 2
[your address line 2]
Your address line 2
Your address line 3
[your address line 3]
Your address line 3
Your postcode (required)
[your postcode]*
This field is required.
Your postcodeDon't forget your postcode.
23rd September 2024 [today’s date]*
Dear Sir/Madam
Account No:
Your account or reference number (required)
[your account or reference number]*
This field is required.
Your account or reference numberYou will find your account or reference number
on any paperwork from your creditor.
You have contacted me us regarding the account with the above reference number,
which you claim I We we owe. I We we do not admit any liability for your claim.
The Prescription and Limitation (Scotland) Act 1973 Part 1, Section 6 states the
following.
“If after the appropriate date, an obligation to which this section applies (an
appropriate debt) has subsisted for a continuous period of five years-
(a) without any relevant claim having been made in relation to the obligation,
and
(b) without the subsistence of the obligation having been relevantly
acknowledged,
then as from the expiration of that period the obligation shall be
extinguished…”
Also, the Financial Conduct Authority's Consumer Credit sourcebook states the
following:
"In Scotland, a statute barred debt ceases to exist and is no longer recoverable
if:
(1) a relevant claim on behalf of the lender or owner has not been made during
the relevant limitation period; and
(2) the debt has not been acknowledged by, or on behalf of, the customer during
the relevant limitation period." 7.15.3
"A firm must not continue to demand payment from a customer after the customer
has stated that he will not be paying the debt because it is statute barred."
7.15.8
Unless you can provide evidence of payment or written contact from me us in the
relevant period under Part 1 Section 6 of the above Act, you are no longer able
to take any court action against me us to recover the amount you allege I We we
owe.
Please confirm in writing that you will not make any further contact about the
above claim and confirm that this matter is now closed.
I We look forward to hearing from you.
Yours faithfully
Include your full name (required)
[include your full name]*
This field is required.
Include your full name
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