Mmmm let me give this some thought.Would it confuse matters or simplify the defence...I'm wondering if what they have disclosed is for your Cap One Credit Card and they are cut and pasting to make it fit the Luma ?
I have been sorting through all of my paperwork as a lot of DCAs are contacting me frantically since I stopped paying token payments in 2018 (I ignore them). They have stepped things up since Christmas so I decided to at least collate everything in order of debt, it's taken a while.
All of my debts are old, relating to 2008/9. I was advised by my local CAB in 2008 to pay token payments, which I did. I lost track of who had which debt, and it all got very confusing, I was suffering with stress and on anti-depressants, my head was all over the place.
I moved house and last year decided to try to sort things. I was advised on here to let the DCAs know my current address and to stop paying them!
I must have missed one somehow as while sorting out the mountain of paperwork relating to debts, I have found long lost Egg Loan paperwork (last correspondence in 2010), at that time it had been passed from Egg to Mackenzie Hall. I have not paid anything on this debt since around 2010. They never produced a credit agreement, or rather they did but it related to a previous (repaid) egg loan!
I have moved house twice since 2010. Obviously they did not have my change of address as I had totally forgotten about that one.
I regularly check my credit file and no CCJs have appeared (yet). My question is, what do I do?
It could be that it was passed on again but I've not received any letters. It must by now be statute barred but how do I find out who has this debt without the clock restarting?
I am suddenly in a panic, I literally have every bit of paperwork for everything except that.
If anyone can advise what, if anything I should do it would be greatly appreciated/
Thanks and sorry for long-winded post.
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complained about what?
can you give us a bit more history please.
well you can look at some WS's but it might pay you not to get so bogged down with what goes in it
just the type of format etc.
ideally it will pay you to take advantage of your LiP status if the claim gets to WS stage and get theirs first
then use yours to pull theirs apart.
you can certainly be investigating planning permission yourself
use the relevant councils website planning portal
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