Can Lowell claim this debt?

[itrends]

Hi there.

 

Have done a credit check today and found 4 accounts listed as defaulted on my file with various values ranging from 40 - 500 ish pounds.

 

I've called them (on a witheld number) and gone through. They all sounds like that are indeed accounts I have had in the past and may have owed some money on, but the values appear to be far greater than even the original credit amount.

 

I've talked through getting a 22% discount if I settle them in full and they are going to let me know tomorrow if approved.

 

My main question is, if the debts are older than say 2005 (in this case a credit card) then can they even legally request I pay or should I be fighting to get this struck off without paying?

 

Or is it better to just pay off at these discounts and be done with it for good.

 

I confirmed that paying will close the accounts and remove the defaults. I was told that I will get email confirmation of this while on the phone making the payment, though i wanted to get the offer in writing first before I will pay anything to be safe.

 

The person I spoke to was very friendly and the call went well. They seem to be ok on first impressions and I'm happy to just get my credit file cleared off with a loan from the parents instead.

 

But before I do anything too hastily I thought I would come and get valuable CAG advice

 

For reference the amounts and settlement offers (still to be approved)

 

no discount option of the £45 one

capital one - 238 (clear at £185) - (2003 - 2005)

514.98 (clear at £400)

three £100 - (clear at £78)

[Conniff]

You have taken the correct stance. Don't pay a penny until you get it in writing that the defaults will be 'removed' and not just 'satisfied'.

[citizenB]

When was the last time you made payment or acknowledged liability of these debts ? If longer than 6 years, I would have thought they would have been well off your credit file by now and statute barred to boot ?

[itrends]

They have had a payment within that time frame.

 

One of these however is an old littlewoods account from years back. Who do I contact to get a breakdown as I suspect I can get charges removed from that one?

[BRIGADIER2JCS]

Can you please list each debt with: the date of last payment, the default date, the DCA chasing payment and/or the name of the owner shown on the CRA files so we have a logical progress to follow?