BCW chasing loan from 2002 settled years ago

[ajd01]

Hi,

just had a letter from buchanan wells dca saying i owe £6000 for a debt that relates back too 2002.thing is this debt is marked as settled in feb 2006 on my equifax report.as far as i am aware the debt was settled fully.thunk we re-mortgaged and paid it off.thing is,what do i do??.just phone th and tell them it is settled and is there on equifax for them to see that,or just igmore the letters??..

 

cheers

[buddie84]

have you got proof you have settled plus it way over statute barred abt 9 years so tell them to go and feck themselves i did it with robinson way few months back now i dont get any calls or letters starting to feel lonely without them love letters they kept sending me with promising date's to the court which didnt happen i got stood up lol

[PriorityOne]

Ignore it for now. It's stat. barred anyway (settled or not).... and they probably know it.

 

If you get anything else, come back for further advice.

[ajd01]

sorry just noticed,not 2002,it was 2005 when i started the agreement...so still listed.may be able to pove i settled it bit what if i cant??

[PriorityOne]

Are you saying the debt originated in 2005.... or that you settled it in 2005?

[ajd01]

took the loan out in early 2005,settled it in early 2006 when we re-mortgaged.an like i said equifax states it is settled.

[BSC]

Do you have any confirmation from the original lender?

[PriorityOne]

took the loan out in early 2005,settled it in early 2006 when we re-mortgaged.an like i said equifax states it is settled.

 

As said earlier then.... stat. barred anyway, or close to being stat, barred whether settled or not. Ignore for now unless they persist.

[ajd01]

yeah think im going to ignore.they ring once every 12 months and i tell them the same all the time it is settled,send proof i owe.they send demand letter,no statements of any kind....ring 12 months later and say they they have tried to make contact bit never get phoned aswered,which is complete BS..

I am just tryimg to sort out my credit,and dont want this being re entered.original debtor has it listed as settled,buchanan dont have anything listed on either credit ref agency.so can i def just ignore???.

 

probably dont have proof of it settled,it was 5 and half years back

[BSC]

What about a SAR to the original creditor? At least that way you have all you need if they keep making a nuisance of themselves.

[ajd01]

good point BSC,overlooked that.if they send everything and also shows this is settled debt will this be all i need?

[BSC]

Absolutely.

[Malcior]

I've been dealing with a similar from Robinson Way/Capital One that was settled in 2005. It also shows as settled on my Equifax report. I'm just stalling them with template letters at the minute as it should be statute barred anyway come November.

[Revenant]

yeah think im going to ignore.they ring once every 12 months and i tell them the same all the time it is settled,send proof i owe.they send demand letter,no statements of any kind....ring 12 months later and say they they have tried to make contact bit never get phoned aswered,which is complete BS..

I am just tryimg to sort out my credit,and dont want this being re entered.original debtor has it listed as settled,buchanan dont have anything listed on either credit ref agency.so can i def just ignore???.

 

probably dont have proof of it settled,it was 5 and half years back

 

 

If this is all they're doing at the moment don't waste your time/effort/ink just sit tight and have a cuppa

 

If it's any consolation BCW are not that bright as recently they threw down the gauntlet on behalf of Lowell, trouble was Lowell sort of forgot to tell them matters were Stat Barred

 

Regards

 

R