Hello- background:

debt dates to 2005 with a pre-approved credit card,

the limit being increased and increased unasked unti 2008 when BAM!

Then i set up a debt management plan with the CCCS, and paid into that until feb 2012 and not a penny since.

A couple of weeks ago i got a phishing letter from wescot addressed to me at this address asking if the address was correct and saying if they didn't hear back they'd assume it was, no detail as to what it was for.

I didn't reply.

Today, letter from wescot saying they have been instructed by their client arrow global ltd-egg, to make contact with me to discuss the outstanding balance (£19,900) and telling me it is essential to contact them within the next 10 days to prevent further action.

Now... what do you advise here?

how likely are they to produce a CCA after so long?

It's months away from being statute barred.. should i ignore it?

I haven't heard anything for the last 3 years,

i *think* they must have been given new address by old landlord

getting sick of them constantly writing there.

They don't have any certainty of my current address,

are they likely to push for a CCJ under these circumstances?

Advice gratefully received!

instructed by their client

that means they cant do anything so you have no need to respond to them at all.

If Egg want to do something then they will have to do so on their own and if Arrows send a threatogram you send a CCA request.

They wont have the info so that will run the clock down a goodly amount.

Now about the outstanding sum

, do you have up to date statements of what is owed,

what interest was applied and for how long,

what charges were added.

Importantly has anything been added to the bill after you defaulted?

Thanks Ericsbrother!

The last info i have is a scan (my scan, don't think i have the actual thing they sent anymore) of a cca i requested in 2013 when i was battling them.

Having looked through it,

there is zero mention of my rights to cancel,

and the APR does not state if it is annual/monthly/anything.

Kind of thinking as it's dated 2005 it might not be enforceable even if they managed to drag up a copy their end anyway!

You are in danger of a backdoor CCJ to your old address that you'll know nowt about

And for £12k Arrows will do that

That's the idea of these phishing letters

Send arrows a CCA request

Would they do that even thought they've 'presumed' my current address and have sent a couple of letters here? That sounds highly dodgy!

No quite lawful to serve to old address

Its down to you to write to the OC or if sold to the current owner

Of all your debts..not run away

Its a gamble you take

And for £12k IMHO they will

Just use the search CAG box in the fed top toolbar for

Unknown backdoor CCJ

And read a few threads

Westcott are handling it atm for their client, arrow.

Presumably I contact them.

Should i CCA wescott to prevent them issuing a backdoor ccj?

i figure that might stop everything until it's statue barred, or, the produce a legit CCA and it goes to court with my knowledge.

Is this the best option?

For the record,

i borrowed the money for a "friend" who did a runner,

the fees piled on,

tried to track down the friend,

no joy,

couldn't get any criminal charges as nothing in writing

(yes, i was young, stupid and trusting)

the credit crunch happened,

i suffered a close family death and had a bit of a break down

--- fast forward to today.

Wetclothts don't own the debt