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Good afternoon everyone

 

Today I have had a letter from EquiDebt LTD stating they have sold my account to Portfolio the amount is £7063.52 and this debt was sold on the 08/10/2012.

 

I have checked an Mcc credit report and this is what the info on the credit report says

 

Company name: EQUIDEPT LIMITED

 

Account type: Current Account

 

Started: 25/09/2001

 

Default Balance : £7,063

 

Current Balance : £7,063

 

Defaulted On : 02/07/2007

 

Status History 8

 

I think the 8 which is in red donates the missed amouts of months payments, so would I be correct in thinking that come next month this will be status barred??

 

 

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Statute barred relates to the last date of payment, which would have been sometime before July 2007. Do you know when you last made a payment ?


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Sorry no but as stated the credit files has Status History 8 which I am sure is 8 months missed payments just need that confirmed

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Ok just checked last activity on the account was March 2006 nothing since, so they have sold a status barred accout who do I complain to and anyone got a good template letter to send all over the place thanks.

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8 means default. in some CRA reports.

 

if your last financial transaction was march 2006 its SB'ed

 

fire the SB letter off

 

dx


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Thread returned to General Debt Collection not a matter of Litigation...yet!

 

Regards

 

Andy


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Statute Barred template letter for England/Wales is here...http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

If your in Scotland, then the Statute Barred time limit is 5 years and the Template is here...http://www.consumeractiongroup.co.uk/forum/content.php?424-Statute-Barred-Letter-SCOTLAND

 

Amend the letter to suit.

 

Usual rules apply, do not ring Equidebt and if they ring you, refuse to go through the security questions and say "In writing only" and hang up.

 

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8 means default. in some CRA reports.

 

dx

 

Agreed. I've had the status jump from a 4 to an 8 - it doesn't necesddarily mean it's been 8 months since payment.

 

BSBS.

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I have about 5 years or more of 8's on my file for one of my debts

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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