Hi,

my OH had an egg card from 1997 to 2006.

Initially when our busibess failed we paid £1 a month .

I discovered this site and CCA'D all of the DCA'S involved , only one had a true signed copy of the CCA.

The company that bought the EGG card sent a 'reconstituted' agreement which I believe is not valid for pre 2007 debts.

We wrote and told them so and stopped payments .

A few weeks ago he received a letter about a Barclay card which he has never had, turns out that Barclays had bought the old debt and had sold it to HOIST who are now doing the court action threats .

It will be statute barred apparently in December this year, though I haven't paid anything on these since about 2010 so I think it may already be SB.

Should we CCA the new company ?

Don't want to risk re setting the clock and I am sure there are template letters somewhere .

Any advice will be great, thank you .

sb dates from last payment not defaulted date

who was the last company that got your CCA?

dx

That would have been EGG, there was another who we wrote to and they just sent us made up info so we put it into dispute I think in 2010 .

Not paid anything for years , Barclays said that a payment had been made in 2011 .

We still disputed the debt etc

was the card taken out whilst she was resident at your current address?

IT could be that the payment was perhaps £1 -the amount for a CCA enquiry.

was the card taken out whilst she was resident at your current address?

My husband took it out in 98/99. So yes resident but it is SB in three months and we hadn't heard anything for 5 years after placing it in dispute with the other DCA.

IT could be that the payment was perhaps £1 -the amount for a CCA enquiry.

Actually , if I go back through my letters it's highly likely that is what is was.

We are going to throw CCA and SAR at them - though I shall be very very careful at the wording so to make it very clear what the payment is for.

How do I get to the letters ?

no point in an sar...

don't adapt anything

cca request