Hi Gary,(posted 8548 days ago)Perhaps there may be something in the thread called 'Estoppel', a little bit further up the list (i.e. more recent) which might be food for thought in your particular case? It seems to be an issue in your case that you changed your life on the understanding that any legal liabilities which you might have had in the past were in fact discharged (ie you thought they had written the debt off.)
The question is, was it reasonable to suppose that a debt had been written off when the promised contact never came?
Have they offered you any kind of settlement? If so, this might indicate that the company had in fact, to all intents and purposes, written the debt off long ago. On these pages we see many occasions where lenders, who have essentially written off shortfall debts, seem to be just trying it on with vulnerable people up to 12 years after repossession.
Let me know what you think?
Bear in mind, these are my own personal thoughts. I am not qualified to give legal or financial advice.
Good luck.