Last year I had a CitiCard credit card with a £250 limit. I was making regular purchases and paying it off each month. One month I missed a payment and they charged me. This took me over limit and I was charged again. Now, without making purchases with the card nor making any payment the debt is a staggering £850+.
I refused to pay and eventually the debt was passed to Direct Legal & Collections. I wrote to them stating I didn't acknowledge a debt to their company and requested a copy of the credit agreement and sent £1 in payment.
I haven't heard from them yet and they have another 2 weeks before their 30 day deadline expires. If I don't hear from them then the debt becomes unenforcable (I think??) however, how do I get them to remove the default? Do I need to report CitiCards or DL&C to anybody? Obviously, if the debt is unenforcable then I know I won't be claiming the charges back.
Any help and guidance is appreciated.