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I used to post and use this site back in 2007 and haven't been able to re-generate my old account, however my comeback is due to an old Credit Card Debt unexpectedly finding me and I was looking for some refresher advice ! Credit card is over £10k and was an old Northern Rock/CIS card taken out in 2000. After some marital difficulties in 2007 (wife ran up huge debts behind my back) I did get the account to a position where it was in dispute, CIS eventually provided inadequate CCA and acknowledged they didn't have anything else to provide me. I have had 3 DCAs tried to collect (Wescot, Morecroft and Frederickson), the last of these in 2010. No payments have been made since June 2007, wrote to CIS to say unenforcable under S127 at that time. I have moved house in last year and a letter from Lowells has arrived at new address saying they have purchased debt, also letter from CIS saying they have assigned this. I have the same CCA ready to go that I used for other DCAs with fairly curt follow up letter for when they don't provide it on the back boiler. It has been some time since I entered the Debt arena and when there last time successfully defended myself from many (all) of the wolves from the door. Should I be concerned or do I need to change tactics ? Especially as I am very close to SB status for this one ... . which I assume has triggered the sudden interest !
