Hello, It's an old personal loan with my previous bank. Since then I have had car finance through them even though I was no longer banking with them. That newer loan I have already paid off, but this older one I'm still paying. regards

Hello, It's an old loan with my previous bank. Since then I have had car finance through them even though I was no longer banking with them. That newer loan I have already paid off, but this older one I'm still paying. I will give them my new address & send them an income & expenditure form in the post. However, if the debt itself is over 10 years old regardless of whether I am paying it or not surely this should be taken off as it will not appear on my credit list as its over 6 years old. Can the DCA put this debt onto my credit file? Regards

Hello to everyone, I have received a letter marked 'Private & Confidential' at my previous address about 3 days ago, there was nothing else to say it was from a debt collection agency, just an return address. Upon opening this there were 2 letters one from my previous bank, which I stopped using about 10 years ago, & one from a debt collection agency. The letter from my previous bank stated that they had passed/sold my debt to a debt collection agency & the other letter was from the debt collection agency stating they had taken over the debt. Both of these letters are marked the 1st November 2012. I phoned the debt collection agency to query the letter, I gave them my previous address that the letter was addressed to along with the reference number on the letter along with my name. I had a conversation with a female operator regarding this account & was told it concerned a debt from 2002 which I am paying a minimum amount to. I do remember that if the debt is passed onto another party then this means that I do not have a legally binding contract with debt collector which I explained to the operator. She then said that as the bank, my previous bank, had sold the debt onto them & that I had to now start paying them. I explained that I have no contract with them & therefore I don't owe them anything. I also stated that I would be looking into the legal implications regarding this & would get back to them later. The operator then suggested that I speak with C.A.B. regarding this so as to save money & when I call back I would need to arrange to make payments. I politely to her that I would decide who to talk to about this & said my good byes. I would like some advice as to my next step bearing the following; The letter/debt was sent to a previous address, relative, Should I give them my new address, As the debt is from 2002 & was with a previous debt collector surely this should have been struck off, I have in the past talked to various advice centres such as C.A.B. & they said that I should continue paying even though the debt is over 6 years old, because I was still paying them. thank you all in advance.