Equidebt - Barclays old debt

[czambujinho]

Hello Cag,

 

I got a letter today in the post from Equidebt requesting payment for a old credit card i had from Barclaycard.

They say i owe them £963.05.

 

I believe my last payment into this account was 2005 / 2006. T

 

hey are threatning with a doorstep agent coming around.

 

So far as I read i believe this should be statued barred.

 

They give 14 to respond to this letter.

 

There's nothing in my Credit Report relating to this.

What should I do?

Thank you.

[sequenci]

Send them a letter telling them that it's statute barred. Recorded delivery:

 

(Your home address)

__________________

__________________

 

Date:______________

 

To:

 

Without prejudice

 

Dear Sir/Madam

 

Account No:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that under the Limitation Act 1980 Section 5:

 

“An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

I/we would point out that in their Debt Collection Guidance, the OFT regard the following unfair or improper business practice for a creditor to:

 

•pursue the debt under circumstances in which the debtor has heard nothing from a creditor during the relevant limitation period.

•continue to press a debtor for payment after he has stated that he will not be paying a debt because it is statute barred.

The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed.

 

I/we await your written confirmation that no further contact will be made concerning the above account and that this matter is now closed.

 

Yours faithfully

 

(Your signature)

 

(assuming you're in England/Wales)

[czambujinho]

Hi Sequenci,

Thank you for your quick reply and help.

It will go today in the post.

Thank you again.