Hi there

I'll try to be brief.

Many years ago (15 if not more) I had a Monument credit card.

When things became difficult a couple of payments were missed

the debt was passed to C.A.R.S. to recover.

About 12 months ago I entered into a DMP with Payplan and C.A.R.S. were added to the list of creditors.

Payplan notified me that they were returning the payments so I called C.A.R.S. and

they said that they no longer held the account and it was with Jepherson Capital.

I phoned them and they too know nothing about it.

I subsequently removed C.A.R.S. from the plan as they were just returning my payments.

I have no had a letter from C.A.R.S. asking for the balance which is £1556.

Naturally I'm not going to pay it but I would like some advice as to what to do now.

This debt has been passed from pillar to post.

Should I send a CCA letter (I think that's what it is) and if I do what am I looking for.

I am hoping there will be discrepancies as the original debt is so old

but I'm not sure how to go about getting something sorting.

Many thanks

Remove them from you DMP, this is long gone unless you were paying them within the last 6 years?

Hi, yes I have been paying them.

Sorry, I don't think I was clear.

I had the credit card for 15 years not the debt.

Everything ticked along nicely until the last 2-3years.

So it is only since the DMP 12 months ago that I haven't made any payments

but that was only because they returned them.

Many thanks

Hi,

If payment as you said has not been missed until aaprox. 12 months ago then the debt is not statute barred.

Send whoever is chasing (C.A.R.S.) the CCA request, template is here...http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

Send with a £1 postal order and via recorded delivery, print off a copy of the online Royal Mail's Track & Trace so you have a nice paperwork trail.

When you get a reply back, please remove all personal identification including barcodes, scan into your computer and attach for further advice.

Please do not ring C.A.R.S. and if they ring you, refuse to go through the security questions, do not get involved in a slanging match as to why, just say "in writing only" and hang up.

You may also want to get a copy of your credit file so you know what is being reported to the credit reference agencies and by whom.

Stigman

sar to monument

CCA request to CARS.

smell of cash cowing here.

cars are very very lowlife bottom feeders

is this on your credit file... ibet not!

NEVER EVER phone a DCA

they are NOT BAILIFFS

and have NO SUCK LEGAL BAILIFF POWERS