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arrow and restons - old halifax credit card

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hello new here

can you help

 

i had solicitors letter on behalf of arrow saying they want full payment today or they will take me to court

 

its been over 6 years since i paid off the halifax credit card, yet they saying i have not paid

 

ive moved house since few times so no proof and my post comes on a redirection so they dont know my new address, phone number job or email addresses

i know its a mistake

 

can i ask after 6 years is the claim dropped?

is it no longer enforceable?

 

only got the letter when i got in last night and they only gave me today to contact them

 

well im at work so cant

 

is this scare tactics?

 

had previous debt collection letters from them and wescot,

i ignored them and they gave up

 

now arrow sent solicitors letter and threatening legal action

 

what can i do?

 

i know it was paid years ago but moved house

why did they get in touch now after all this time?

 

is it best to ignore them?

 

regards

 

maggie

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Solicitors wouldn't happen to be Restons by any chance?

 

Andy


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who did you pay it off too?

 

if this was more than 6yrs ago

send arrows our statute barred letter


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yes it is why?

 

statue barred? how

 

its halifax and its not on my credit file no more but im sure it was do i ignore it

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Did you clear the balance when it was with Halifax ?


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yes then i moved house its very worrying

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Ring Halifax and enquire what balance has been sold to a DCA considering you paid the balance off on the xxxxxxx.

 

Once you know what this debt is then we can advise further.


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was 15 thousand to debt collection arrow

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was 15 thousand to debt collection arrow

 

But you stated you paid it off....?

 

" its been over 6 years since i paid off the halifax credit card, yet they saying i have not paid "


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not going by the entry under Halifax on your credit file that says 'satisfied' are you. with a balance of £0?


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halifax is not listed at all on my credit file so cant check

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so you rang Halifax and they said £15k was still owing but the debt has been sold to arrows?


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no ive not rang them as i know i paid it off

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Missing the point ....


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whats the point of ringing them when i know i paid it off they could say i havent and make me pay for something i dont owe

who are restons solicitors btw

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restons are wolves that will take you to court at the drop of a hat if they think they can get away with it on arrows behalf

and against an old address as you've never updated them or Halifax to a move.

 

then you'll have a backdoor CCJ you know nothing about.

 

a judge wont listen at all if you simply keep saying sorry I paid it off without proof.

 

go ring Halifax and ASK!! last payment date and any outstanding balance

they are nothing to do with this now as they've sold it on but must hold the data,

 

please follow the tried and tested methods we know work

instead of coming here asking what to do then questioning each move!!

 

 

dx


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i dont have any ccjs as i checked nothing on mu credit file

nobys knows my new address so they cant find me

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but can still register CCJ's against your old address

that you'll know nowt about.....

 

 

:frusty::frusty:

 

if you don't want help

then why come here


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my old address is the only address on my credit file

 

i live with my parents so im not on the electoral role and even worl have my old address and bank too

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that's rather silly.

claimforms typically do not get redirected.

 

why are you hiding?

 

have you rung Halifax yet?


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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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no i not going to ring them

 

if they dont have my details im in the clear i dont own any property ive no money so im ok

 

it def came on a redirection i just keep renewing my redirection

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its nothing to do with Halifax so you can ring and ask them..

its the new owners having your correct details is the important bit.

it will matter not if you've paid it..you wont know to be able to defend it...

 

a claimform or any court documents are rarely redirected

you need to be careful you cant just hide

else before you know it

you've a default judgement you knew nothing about and another 6yrs of stuffed mortgage/any type of credit...


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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but im innocent, plus its been more than 6 years since final payment made

 

i dont need credit nor will i apply for a mortgage so im fine

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