Hello all,

Im new to all of this stuff.

In November 2012 I was issued with a default warning letter from Capital one (then Cabot) for a balance of £270, which I tried to pay off at the end of the 30 day period on (xmas eve), but they did not answer their phones that afternoon (this is not a lie!!).

somewhere in the middle I called up and paid a tenner with the intention of paying it off weekly, but was so annoyed with the default that I just then ignored it.

6 years on (the default is set to 'expire' on 6th November ) and they are now asking for the balance to be settled at £190. 'Robinson Way' now own the debt.

What is the best way for me to deal with this.

I obviously do not want them to enforce a CCJ for another 6 years.

Should I pay the settlement price or the full balance?

Is it more sensible to pay the £190 since the default is to drop off my profile anyway?

Should I negotiate a lower price.

What do I need to be careful of?

Appreciate your advice.

Many thanks.

Wait for the default to drop off, Ignore any correspondence - Don't flush money down the toilet.

Thanks Fkofilee. Are there any implications or risks involved there? Ive read people getting done with CCJ's after the 6 years. I also made contact with them today to check settlement price so not sure if that affects matters?

Stop ringing powerless dca's!!

No doesnt count as admittance

What does your credit file day?

Have you moved since taking this out?

DX is kind of right. Staying off the phone does help

A default is separate to a payment history because they are not linked. If it goes legal and you want to pay then let i happen...

Right now you havent had a claim form yet

Ignore them they're hoping you won't know your rights and will fall for their lies.

Thanks for the replies guys.

No I have not moved address, but I have acknowledged the debt by the tenner payment a few years ago.

I've no real knowledge of statute barred debt and whether this applies in my case.

From the replies Im assuming I just don't pay anything, then the default will drop off my credit file this nov/dec and thats that?

Theres zero chance of a CCJ then or anything else mental getting put against my file?

Defaulted date and sb date are not linked

retitled with details and moved to cap1 forum.

for £190 I doubt they'd bother

I gather all you've been getting are phishing letters.?

and not replied.

you'd get notification if they were even thinking of court as they must abide by the pre action protocol

and send

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?170-Financial-Legal-Issues

pers I think you are in a good place

whens the card from?

Thanks DX. The Card is from 2011/2012 I cant remember exactly what month. But the default is definitely dated 6/11/2012 on experian.

Actually just checked. Account started 17/05/2010.

doesnt matter when the account started, the date you last acknowledged the debt is the important thing and that will be when you sent them that tenner. it becomes SB 6 years after the accounting period tht payment fell in so if you paid in dec 2012 then it will be dead by the end of Jan 2019 as that is 6 years and 1 billing cycle later