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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Okay... I'm just concerned that they have my old address and if they decide to take me to court I won't even know about it.

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Okay thanks... Why won't it improve my score?

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regardless of your address now, if the entry in a true correct occurrence it stays there!


:mad2::-x:jaw::sad:

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Thanks Old Cogger... Sorry I'm not understanding you ????? Which entry? In a true correct occurrence??? :???:

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is the card defaulted?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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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If it isn't on your credit file, then forget about it.


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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