Opos “Kamama/mini credit” chasing statute barred

[thedryad]

Hi all, 

 

in 2012 I took out a mini credit loan for £300. I paid back some but not all. The last payment was in 2013. I’ve not heard anything since and not acknowledged it since 2013 so it’s definately statue barred. 
 

I've since remarried and moved house and last year Opos sent me a letter trying to recover the debt.

Since then they’ve sent two more letters, the most recent is offering to settle for a reduced amount of £54 which I’m not going to pay as it’s statute barred. 

I don’t wish to correspond with them and certainly don’t want them having my details (my new name) and I know if I send a letter saying statue barred they’ll want evidence of my name change.

I’m not prepared to let them have my data or send them any of my personal documents. 

I am concerned they’ll take it to court though and I’ll get a CCJ even though they don’t even have my real name now. 

I hate using my old name, it’s my ex husbands name and it brings back horrible memories so I’m not prepared to correspond with them using my old name either. 
 

Should I just ignore them? 

[BankFodder]

Best not to ignore them but to send them a statute barred letter to protect yourself from getting a back door CCJ which will then cause you lots more problems

[thedryad]

My problem is my name has changed so if I sign it in my new name they then have that but if I sign it in my old name (which makes me feel sick) it’s not me. 

Also surely if they try a CCJ I could stop it as it’s in my old name and statute barred? 

[dx100uk]

just send them our SB letter making ref to their debt number

and the original creditor credit type and org number 

changed of name really means nothing once SB'd

[fkofilee]

Agree with @dx100uk

I can confirm that the Minicredit loans are all SB if you havent made a payment in the last 6 years, Their purchase of the Loan book was over 6 years okay. 

Make sure they have your correct address. Also triple check you havent made a payment to them. 

[thedryad]

They have my address but the letters are addressed to my old name which I haven’t been known as in 7 years! 
The debt isn’t even on my credit file any more.  

[fkofilee]

It wont be registered with a CRA anymore as it will have expired 6 years after the default date etc  

Follow the advice here and Im sure they will back off. 

[dx100uk]

20 hours ago, dx100uk said:

just send them our SB letter making ref to their debt number

and the original creditor credit type and org number 

changed of name really means nothing once SB'd

without fail

 

dx