Three mobile & Lowells

[locutus]

As I said before, send this letter http://www.consumeractiongroup.co.uk/forum/content.php?420-Letter-to-use-if-a-DCA-still-try-to-collect-after-Statute-Barred then ignore them.

[pickaxejack]

Thanks for your reply Locotus, I didnt send the letter when you suggested before as I requested a new copy of my credit report to find that this was now showing on my credit report. Even though it definately was not there before! I think it will be statute barred in MArch or April this year but going by the dates on the credit file its not quite 6 years, in which case could you point me in the right direction with what to do next i received a letter again today stating i must contact them to arrange repaymet with one of their reps.

As I said before, send this letter http://www.consumeractiongroup.co.uk/forum/content.php?420-Letter-to-use-if-a-DCA-still-try-to-collect-after-Statute-Barred then ignore them.

[locutus]

contact with a DCA will only egg them on. Better to ignore them at this stage.

 

The reason contact has increased is because the "debt" is almost statute barred... they are desperate to get you to pay something as it resets the clock.

 

If it over 6 years since you last paid anything, send the letter I quoted above then ignore them.

[pickaxejack]

will do that exactly, thnk you !

[pickaxejack]

Hi there locotus, had a letter back replying to the statute barred letter you recommende I sent which i did, and the reply says that the account is now closed, Just need to work on the default they have issed now but again that 6 years so i guess that will auto come off the credit file? thank you for all your help on this one

contact with a DCA will only egg them on. Better to ignore them at this stage.

 

The reason contact has increased is because the "debt" is almost statute barred... they are desperate to get you to pay something as it resets the clock.

 

If it over 6 years since you last paid anything, send the letter I quoted above then ignore them.

[locutus]

What is the date of the default on your credit file? it's 6 years from that date.

So Defaulted 25/4/07 should be dropping off your credit file now.