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KatieSP

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  1. Hi, I took out a Goldfish credit card in 2003. The account had a balance of around £1000 which I was making minimum monthly payments towards. Goldfish then sold the account to Barclaycard when they merged. At this point I stopped receiving paper statements. I therefore called them on numerous occasions to try and rectify this and continued to make monthly payments of random amounts as I had no statement to refer too. I then received threatening letters from Barclaycard stating my balance was over £4000. I had not used the card and I had not received statements so I disputed this and told them I would not pay any further balances until this was resolved and they could tell me where these additional charges came from. No statements were ever received and then I received communication from a debt chasing company stating they had been appointed to retrieve the debt in full. I explained the circumstances to them and again tried to call Barclaycard. Barclaycard could now not even discuss the account as it had been closed on their systems as the debt was sold. Around 6-8 debt companies have since tried to retrieve the debt but each time I call them to ask for evidence they go silent. MKDR is the latest company to 'own' the debt and they issued a small claims court case against me in 2015. I submitted by defence and nothing happened. I called the court and they informed me MKDR had not proceeded any further with the case. The issue I have is that this seriously affects my credit rating and will do for another year. My credit report states that the account has been overdue since 27/04/2011 and if I am to wait 6yrs this will not expire until 2017. Is there anything I can do to challenge this in the meantime? I am certain no one has the statements I have been asking for for the past 5yrs. How can I get MKDR to either proceed or close the debt off? Thanks in advance Katie
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