Debt Dispute Legal Advice

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Summary

If you dispute a 2006 debt, the Statute of Limitations Act 1957 in Ireland may apply, typically allowing a six-year period for debt recovery. Creditors can still chase the debt but may not enforce it in court. Creditors can claim against a deceased persons estate, but consult an Irish solicitor for specific advice.

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I have a debt from * with the bishopstown credit union. They have sent me the documents of the signed loan agreement but I am contesting them, they did not take a copy of my photo ID and its not me who signed for it. My mother passed away and her account has * eurp in it and they now want to take that off me to clear the debt. However I think they can't recover it because of statute barred. This is all Ireland so please refer to Irish legislation. Can you draft me an email to them please
Dear [Credit Union],
I am writing concerning the alleged debt from *. I dispute the legitimacy of this debt as the loan agreement provided lacks my photo ID and the signature does not belong to me.
Furthermore, I believe the debt may be statute barred under Irish law, specifically, the Statute of Limitations Act *.
I kindly request further investigation into this matter.
Sincerely,
Emma
can you give me advice on this? can theby chase me, this seems really innappropriate too
Based on your location in England, it's important to note that the Limitation Act * typically allows for a six-year period for the recovery of debts. However, as you've mentioned the issue originates from Ireland, the Statute of Limitations Act * applies, which also has a six-year limitation. They can still chase the debt but they may not be able to enforce it in court.
Can they just take the money off my mothers estate before its transferred to me? which uis what they said they will do
In England, creditors can make a claim against a deceased person's estate to recover their debt. However, the situation might be different in Ireland. It would be best to consult with a local Irish solicitor to understand your rights and obligations under Irish law.