Requesting Credit Reference from UK and date of last payment

[qazwsxqazws]

We had a credit card with a debt of around >10k when we moved to Canada.

 

 

It was transferred to Apex and we asked for a CCA in 2013,

they did not supply it so it was no longer enforceable and we stopped paying it.

 

In 2016 it was transferred to a DCA and again we asked for a CCA,

they did not supply so we carried on with not paying it.

 

My questions are:

 

a) How do I find the data of our last payment and acknowledgement of the debt.

Do forums like this constitute acknowledgement.

 

b) How do we go about requesting our Credit Reference from the UK as we have not lived there for over 10 years and is there any benefit if so what

 

c) Is it worthwhile asking the original credit card company for their records to see if their were any PPI or spurious charges or should we let sleeping dogs lie.

 

I have posted previously under a different username but forget the login details.

 

Thanks in advance

[dx100uk]

We had a credit card with a debt of around >10k when we moved to Canada.

 

 

It was transferred to Apex and we asked for a CCA in 2013,

they did not supply it so it was no longer enforceable and we stopped paying it.

 

In 2016 it was transferred to a DCA and again we asked for a CCA,

they did not supply so we carried on with not paying it.

 

My questions are:

 

a) How do I find the data of our last payment and acknowledgement of the debt.

Do forums like this constitute acknowledgement. - dont bother , and no they dont as you are anon on here.

b) How do we go about requesting our Credit Reference from the UK as we have not lived there for over 10 years and is there any benefit if so what - none

c) Is it worthwhile asking the original credit card company for their records to see if their were any PPI or spurious charges or should we let sleeping dogs lie.- would only come off the debt , i wouldnt bother.

I have posted previously under a different username but forget the login details.

 

Thanks in advance

 

 

do you remember your username?

 

 

you've been away 10yrs now

anything will will be well statute barred anyway

and they are probably writing to you

as you keep entering into pointless letter tennis

so they think you can be mugged.

ignore

nothing they can do to you

[qazwsxqazws]

To clarify, I think our last payment was circa 2012 hence would like a better date to see if and potentially when it would become statue barred.

 

Also the province I am in has a 2 year statue barred ruling does that may a difference if they decide on legal action or transfer to a Canadian DCA.

 

We have no assets in the Uk and we kept paying while in Canada and they are well aware of that fact, so I highly doubt their is a UK CCJ

[dx100uk]

DCA have no powers they are NOT BAILIFFS.

 

 

shame you blindly paid

there was no need too.

 

 

if the debt buyer knows you don't reside in the uk and your address they cant get a CCJ

you are not resident in the uk

 

 

dx

[unclebulgaria67]

To clarify, I think our last payment was circa 2012 hence would like a better date to see if and potentially when it would become statue barred.

 

Also the province I am in has a 2 year statue barred ruling does that may a difference if they decide on legal action or transfer to a Canadian DCA.

 

We have no assets in the Uk and we kept paying while in Canada and they are well aware of that fact, so I highly doubt their is a UK CCJ

 

You can request a copy of your UK credit record from abroad by contacting Experian. There is a different process to it, as you have to complete a form and return it to them with copies of identity papers, as well as the small fee for dealing with the request. You can also ask Experian to add notes to your credit file debts, that you are now resident of Canada and original creditors have been advised. That might come in handy, if a DCA tried for a sneeky CCJ.

 

In regard to statute baring, if the UK debt could be enforced in Canada, i think they would argue that UK limitations law would apply to the actual debt. I very much doubt that there would be any attempt to try to enforce the debt in Canada. They don't bother much within the EU, where it is much easier. Why go after fruit which is at the top of the tree, when there is loads of low hanging fruit !