I emailed experian and they are sending my credit report by post. They say: We are unable to send your credit report via email due to the information that is recorded on your report. Do you know what they mean by "information that is recorded on your report" ?

Thank you for your reply. Can you please clarify something more for me? Do you mean the clock DOES NOT start from the day the debt is sold from the bank to TBI Financial, but starts when I last made payment on the creditcard itself? Thanks again!

Hi, I received a letter from TBI Financial Services in 2007 on a creditcard debt I had left behind in the UK in 2004. The last time I used the card, I believe, was mid-2004 and have not paid anything on the balance since early 2004. I now live in a different country and have not heard anything from any DCA's since. However, I did receive a letter from TBI Financial Services 5 April 2007 stating that: by an Agreement dated the 9th December 2005 HFC Bank Ltd. sold and assigned all of its rights, title and interest in, to and under, inter alia, your above agreement and any related security to TBI Financial Services. They said something about taking further action if they did not hear from me in 21 days. I ignored the letter. I am wondering if the Statute of Limitations clock started from the time I made my last payment on the card, or at the time the debt was sold to TBI? My concern is the debt is not yet statue barred and therefore on my credit file. I am awaiting Experian to send me my credit report by mail, which will take some time to reach me. At this point, I'm not sure what is on my credit report. If it is there, will TBI be notified of my new address through Experian? Thanks for your help in advance.

I appreciate the reply Ozzyboy. I have not been able to get a firm answer regarding that. I thought that even if they sent you letters, then that "restarts the clock" - but, from what I understand you're saying is: if I ignore the letter it didn't happen. Is that correct?

I lived in the UK for 7 years and moved away in 2004. I'm not proud of it, but I left behind credit card debt worth less than 5,000 british pounds (I believe) I'm currently waiting to get my credit report from Experian. I have not had any verbal contact with any debt collectors in the last 6 years, but did receive a letter at my former place of employment (in Canada) in 2007. I did not acknowledge the letter because it did not arrive at my home, and I have not heard anything since. Is the debt still statute barred because I have not had any contact, nor did I acknowledge contact from them, over the last 6 years?