1st credit

[bsj]

I have 1st credit chasing a small debt,i paid a couple of payments in the summer of 07 before finding cag.

The default is due to drop off my credit file in january 2011.

The debt is for HFC from 2004.

How do i stand regarding the default issue.I understand they cant file another default once the six years are up.

Can they take any court action once a default drops off your file.

I realise by making those payments in 07 i have admitted the debt,and in doing so reset the clock.

What is the best way to deal with this,should i send a CCA request.

I have just received a staement from them,showing a zero balance on any debits or credits,it states it's the second statement but iv'e never recieved one before.

[coledog]

IMO - would leave it alone if they are not chasing it. They cannot default it again but may threaten court action if they realise it is close to being Stat Barred (i.e. in the next 2 years) and then you can ask for the relevent paper work and deal with it. A SAR to the OC may be useful to see if they do have the paperwork? Then you would be prepared.

[bsj]

Thanks CD,i just get the occaisional letter with the usual threats.

 

I'll do a SAR to the OC,as you say be prepared.