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Old M&S Card debt how to handle it?


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My situation is my last and only statement I hold regarding this account is 16/10 2009... Since then it has bounced around various places (sold on)...

 

Bramber Debt Recovery 6/4/14 offered 40% discount

Marlin wrote 5/8/2014 saying passed on to Ruthbridge

I wrote to Credit Security Ltd 23/6/11 explaining I was on JSA and had my house repossessed in 2010 so no belongings.

 

Last week I rang M&S and asked where this debt was... they said Cabot.

 

I know I sent a £1 payment to some of my debt holders at some point over the last 6 years but I have only a few records of who and when. I don't have anymore records of dealing with M&S.

 

I would be really grateful if someone could help me out ... I know there was a lot of late payment history on this account.

 

What should be my next step?:|:?:

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let it run till someone starts shouting

then comeback

 

 

don't go ringing people

 

 

don't poke the snake..

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Is your credit file up to date?

 

Does it show your current address?

Have you taken out any credit at your current address, are you on the voters roll?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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My credit file does not show my current address

No credit taken out at my current address

I'm on the electoral role for my current address... and I was thinking of correcting my credit file to improve the points.

 

Thank you for answering :-)

Edited by Karma!
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nothing you can do will improve your score

 

 

if you ar really worried about backdoor ccj

send crapbot a CCA request

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is the card defaulted?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi... I can't remember it was back in year 09/10. I'm currently using ClearScore to check my Credit score and I can't see any mention of the history of this card on there.

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