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Old 29.12.2018, 13:37
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Re: La Redoute Scam

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20 years? in some legislations consumer debt expire after 5 years, don't know how it is in Switzerland though
Depends. 5 to 10 years.
Art. 127 - 128 Swiss Code of Obligations https://www.admin.ch/opc/en/classifi...ndex.html#a127
But the time limit, may not start or can be stopped and start anew under certain circumstances. Just read further in the code of obligations.

Additionally, if the route of poursuite/Betreibung is gone and the dept could not be paid, seizure and liquidation of asset was not possible a so called "Verlustschein" (debt title) is issued. This title has a time limit of 20 years.
Art. 149 and 149a SchKG https://www.admin.ch/opc/de/classifi...ndex.html#a149

In the past a debt title had no time limit at all, this changed 1. Jan. 1997. Old titles without time limits expired on 1. Jan 2017 Art. 2 Abs. 5 SchKG https://www.admin.ch/opc/de/classifi...index.html#ta2)

Within the 20 year time limit a new poursuite/Betreibung can be started and if the debt is still not recoverable a new title with a new 20 year time limit will be issued.
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Old 03.01.2019, 22:32
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Re: La Redoute Scam

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Thanks a lot guys.
I can write this letter on my own, without having the need for a lawyer write it for me, correct?
You shouldn't need one, but it wouldn't hurt to have it come from a lawyer. It sounds like they're up to some shady business and it might be a good idea. At the very least make sure you keep track of all dates and emails. Maybe even print them out if possible. If they're fighting you on something so trivial, they may well take the same approach unless you play hard ball.
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