Thanks for the reply Dx

Update. Followed dx100 advice ‘totally ignored the DCA’ DCA 20 letters 50 phone calls DCA Gave up passed back to M&S M&S passed to new DCA – again ‘totally ignored the DCA’ Poked the bear - sent CCA request to M&S enclosing postal order fee £1. M&S response: Letter 1 - Thanks for recent payment (£1 postal order for CCA) offset against debt. Please contact DCA in future ….. not us. Letter 2 – (signed for) CCA complete copy of original. Received within time allowed. DCA response: DCA letter – Thanks for recent payment to client. We have created a repayment plan to pay monthly sum. Please pay directly to us etc… In retrospect maybe don't send a postal order when requesting original CCA. Thinking this may have restarted SB clock for 6 more years? Or just ignore DCA completely Many Thanks

Hi The cheque is compensation from M&S Bank. They failed to meet 'standard we would expect from Collections and /or Recovery Team' Moorcroft will be receiving my introductory letter CCA request .....:) Many Thanks

Hello, Many Thanks for looking at this Dx + Andy. Today we have an introductory letter from DCA as expected. Also a letter from Bank with attached cheque to compensate for service received from Collections team? Should i wish to make a complaint call them or write? Very bizarre......

Hi Thanks for the reply. Bank is M&S DCA is Moorcroft Notice of assignment? Debt sold unsure. Phrase is ‘take responsibility’ This is the gist of letter from Bank: “We want to let you know we have now asked Moorcroft Debt Recovery Ltd to take responsibility for your account. Moorcroft will contact you in due course about the outstanding balance on your account. They will only use your information in accordance with our instructions and UK Data Privacy laws. Blah ..Blah.. Please forward all future payments and queries direct to Moorcroft, using the contact details in their introductory letter.” I guess will wait for DCA introductory letter? Many Thanks

Hi Apologies took me some time to find paperwork. Default letter date December 2013 The last payment was in December 2016 (£30) Expect statute barred no use here. As payment in December 2016 reactivates the clock? Many Thanks

Hi Thanks for taking a look. The default date from old Experian credit file was 11/02/14 Will have to dig out paperwork but could be voluntary payment around 2016? Will check this. Many Thanks

Apologies its the bank loan not the cards. Had a letter yesterday from Bank. Passing account to DCA and awaiting contact. Last contact must be 2016/2017? by phone. In fact all contact has been phone. That said bank agreed would contact again in 3 months to assess situation again. But never did. However no contact until this current letter. The account had a default notice 7 Years ago in 2013. Although no CCJ and now wiped from credit file Experian. Would this debt be statute – barred? Many Thanks