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haddinson

All in one place??

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Hi,

 

I know this is repeated constantly on the forums. But I would like the information all in one place.

 

I received a letter today from Belfast Collection Services, for an amount of £1389 owed to Capital One Card.

 

As far as I am aware, this card was paid off over 6 years ago. Now I have read some places that if you haven't been in contact with them, after 6 years it is unenforceable. As in you do not owe them money, this is only the second time in about 5 years they have contacted me, the first time was saying I owed around 600. I do not have that original letter, but I did not contact them then either, as it was fresher in my head that I did not owe them anything.

 

I do not want to contact them, incase they suddenly are owed this money.

 

I have read about a CCA. Should I send this to the company? Or should I just not acknowledge it?

 

I am totally unsure as to what to do , and it is hard to navigate these forums, trying to find the answers I am looking for.

 

Thanks in advance for anything you can do!!! or advise...

 

Jayne

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statute barring comes in after 6yrs of no financial transactions.

 

i would think you have gotten on a phishing list

 

i would totally ignore it.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes I agree, Ignore it, and if they become persistant then just send them the Statute Barred letter and tell them to foxtrot oscar:D

(recorded delivery and keep a copy of it for your records)

 

 

Boo;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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