La RedRoute chasing Me for Old Cat debt

[thatdavieguy]

I recently applied for a job which required a credit check and was rejected for the position - turns out i have a default on my file which has a date of October but the last payment date is Feb 2008 from what i can see on the account.

 

I have had no contact from the company (La Redoute) and I am aware of the Scottish time bar of 5 years for pursuing of debt, however, I have a question about this.

 

If i write to the company with regards to the time bar, will this be removed from my credit file or will it remain for the 6 years as per English law? The debt shows as reporting until April 2014 but with this being my only default and the rest of my credit file being fine it's costing me a job and potentially others going forward, in the current climate this is not ideal obviously.

 

Any advice and help would be appreciated, thanks.

[maroondevo52]

Hi,

 

If the default was placed correctly it will stay on your file for 6 years regardless of where you stay in the UK.

[thatdavieguy]

Thanks for the reply, so i guess that ii would have to go down the route of asking them to supply a copy of the original default notice (i never received any default notice, if sent at all it was to my old address) and hope that something was wrong from there?

[dx100uk]

La Redoute are a mixed bag

 

what is the debt all about

 

and WHEN was it defaulted on the cra file?

 

dx

[thatdavieguy]

La Redoute are a mixed bag

 

what is the debt all about

 

and WHEN was it defaulted on the cra file?

 

dx

 

It appears to be an old catalogue debt from an address i lived at in 2007, the CRA file shows the default date as April 2008 and last payment in September 2007. It appears that the account is still accessible via their website and i can see that the balance at the moment shows as £0 and was passed to DCA for around £246 in April 2008.

 

I moved away from the address in early March 2008 and they have never pursued at any new addresses.

 

Hopefully this info is helpful for advice.

[IdaInFife]

so you paid this after the default was placed?

[thatdavieguy]

so you paid this after the default was placed?

 

i havent made any payment since sept 2007

[IdaInFife]

some companies can take around 6 months to apply default after missed payment so sounds about right

 

I cannot see them removing - as it has been placed correctly

 

unless you have evidence you moved address and contacted them to inform them so if the default was sent to the old address

[thatdavieguy]

Ah i see, so my only option now would be to sit tight until April 2014 for it to fall off my record? Am i correct in thinking that the debt itself is now statute barred as 5 years have passed since the last payment as i'm in Scotland?

[IdaInFife]

yes

 

if they contact you, you can send the SB letter in the templates.

 

If you were to pay the default it would marked as satisfied but i am not sure how much difference this would make to an unpaid one - not a lot i don't think

[dx100uk]

have you all the statements?

 

dx

[thatdavieguy]

i have those available on the la redoute site,i think thats around 3 or 4

[dx100uk]

i'd sar the oc

 

if it transpires the defaults were due to PENALTY charges [99% of the time with cat debts they are!]

 

get them reclaimed and the default SHOULD be removed

 

see other threads in this forum [i've moved the thread to the cat forum]

 

dx