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arrow and restons - old halifax credit card


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hello new here

can you help

 

i had solicitors letter on behalf of arrow saying they want full payment today or they will take me to court

 

its been over 6 years since i paid off the halifax credit card, yet they saying i have not paid

 

ive moved house since few times so no proof and my post comes on a redirection so they dont know my new address, phone number job or email addresses

i know its a mistake

 

can i ask after 6 years is the claim dropped?

is it no longer enforceable?

 

only got the letter when i got in last night and they only gave me today to contact them

 

well im at work so cant

 

is this scare tactics?

 

had previous debt collection letters from them and wescot,

i ignored them and they gave up

 

now arrow sent solicitors letter and threatening legal action

 

what can i do?

 

i know it was paid years ago but moved house

why did they get in touch now after all this time?

 

is it best to ignore them?

 

regards

 

maggie

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Solicitors wouldn't happen to be Restons by any chance?

 

Andy

We could do with some help from you.

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who did you pay it off too?

 

if this was more than 6yrs ago

send arrows our statute barred letter

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did you clear the balance when it was with Halifax ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Ring Halifax and enquire what balance has been sold to a DCA considering you paid the balance off on the xxxxxxx.

 

Once you know what this debt is then we can advise further.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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was 15 thousand to debt collection arrow

 

But you stated you paid it off....?

 

" its been over 6 years since i paid off the halifax credit card, yet they saying i have not paid "

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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not going by the entry under Halifax on your credit file that says 'satisfied' are you. with a balance of £0?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so you rang Halifax and they said £15k was still owing but the debt has been sold to arrows?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Missing the point ....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

restons are wolves that will take you to court at the drop of a hat if they think they can get away with it on arrows behalf

and against an old address as you've never updated them or Halifax to a move.

 

then you'll have a backdoor CCJ you know nothing about.

 

a judge wont listen at all if you simply keep saying sorry I paid it off without proof.

 

go ring Halifax and ASK!! last payment date and any outstanding balance

they are nothing to do with this now as they've sold it on but must hold the data,

 

please follow the tried and tested methods we know work

instead of coming here asking what to do then questioning each move!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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but can still register CCJ's against your old address

that you'll know nowt about.....

 

 

:frusty::frusty:

 

if you don't want help

then why come here

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

that's rather silly.

claimforms typically do not get redirected.

 

why are you hiding?

 

have you rung Halifax yet?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

its nothing to do with Halifax so you can ring and ask them..

its the new owners having your correct details is the important bit.

it will matter not if you've paid it..you wont know to be able to defend it...

 

a claimform or any court documents are rarely redirected

you need to be careful you cant just hide

else before you know it

you've a default judgement you knew nothing about and another 6yrs of stuffed mortgage/any type of credit...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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