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All in one place??

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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...



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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.



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)




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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