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Hoist and ex BC/Egg? Card debt - Statute Barred ?


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Bit of a weird one here,

 

I "may" have an old CC debt that was last paid in May 2012 and this looks to be the default date,

 

no acknowledgement of account since then and no contact for 5 yrs

 

they went mental around January this yr threatening all kinds of silly court stuff

 

I CCA'd them and they couldn't come up with a signed CCA and recently very kindly said they would suspend any action for 30 days, believe me they aren't getting me worried at all

 

but are now phoning several times daily and it's irritating ..........

... here's the weird bit...

..they have part of my details wrong somehow and this is reflected in my credit file, I answered one of their calls today but when providing my accurate details I sadly failed to pass their security check so they couldn't discuss anything with me:oops: They were a bit baffled to say the least !

 

I stated I don't acknowledge the account, really don't know what has occurred and from dates they had provided in letters that it is statute barred anyway.

 

Is there a specific letter I can use to ask the to bugger off, also is there a chance of getting it pulled off my credit file, if so how ?

Edited by dx100uk
Swearin g/spacing
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Who was the oc and whos the DCA?

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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Egg or bc?

Go ring them and ask last payment date

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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Share on other sites

Re titled and moved to Barclaycard forum

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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Share on other sites

then its SB'd

 

send hoist our SB letter from the Debt collection section of our library

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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Share on other sites
then its SB'd

 

send hoist our SB letter from the Debt collection section of our library

 

I wouldn't just yet...yes its 6 years but you know they will argue its from Sep 2012...dont prod then for a few more months if you can prolong it that far.

 

Andy

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:whoo:

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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