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Hi I took out a hire purchase agreement with online finance in March 2003. but because the vehicle was not road worthy and refused to pay anything the account defaulted this account was then handed to a company called Merlin on 05/09/2003, today they have tracked me down and called my work’s number (my boss is not happy) I have not had any correspondence from until now. Is there anything I can do.

On my credit report under Merlin it says started on 24/04/2003 defaulted 05/09/2003 is this still within the 6 year time barred situation.



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  • 2 weeks later...

fire off a cca request that should delay it long enough to be statute barred as long as oldA's Q comes back with nothing as indicated by you.



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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