Robinson Way and Old BC Debt

[magic_fish]

Hi,

 

I have seen some inspiring things on this forum and thought I would try my current situation on you guys and gals...

 

In the long long ago (1998) I took out a Barclaycard and after a mishap in my finances I ended up defaulting and this was about 5.5 years ago.

 

Recently I got a 'we'll be taking you to court if you don't call' letter (addressed from HC & Co 'Solicitors')

 

I called up and said I would be writing to them and to hold off on any action for now, they agreed to wait a few weeks.

 

I looked up my credit report on Noddle and have discovered the debt they are referring to has been marked Satisfied on my file - so in my letter I have asked them if they can show I am liable for this debt.

 

Anything I have done wrong as yet?

 

MF

[dx100uk]

the OC 's entry will show settled

if its been sold on.

 

 

you should have sent a CCA request.

 

 

1998 agreement....no chance of them having that!!

[magic_fish]

Cool - I'll see how they respond to my first letter - if this drags out for 6 months it'll go SB...

 

I marked my letter 'without predjudice' so no written acknowledgement from me

[slick132]

Hi Magic and welcome to CAG

 

You need to stay off the phone completely.

 

Regardless of when the a/c was defaulted by BC, do you know when you last paid anything towards the alleged debt.

 

What exactly did you say to Howard Cohen when you wrote to them. You should be aware that any acknowledgement of the debt in writing can re-set the 6 year Statute Barred clock.

 

[magic_fish]

 

Ref: ########
 

Date as postmark
 

Without Prejudice
 

I write regarding the above account.
 

I note the debt is attributed to a Barclaycard debt, 

which on my credit report as viewed through the service provided by Noddle shows the debt as satisfied:
 

If you could provide to me some documentation to show that I am still somehow liable for this debt I would be most grateful.
 

Yours faithfully,
 

MF
 
 
 

There has been no acknowledgement or payments to the account - the balance has been the same for the last 5.5 years....

[slick132]

Ok, let us know when they reply and stay OFF the phone.

 

[magic_fish]

I'm sure it has been said before, but you really do feel better knowing there are other people in the same boat and people that want you to do well

 

Thanks Slick - I'll post if / when they reply

[martin2006]

I would send a CCA request to Robbers Way.

 

Come straight back if receive a response or a claimform

[magic_fish]

got a letter back - they have acknowledged my dispute and are going 'to look in to it'

 

collection paused until their outcome...

[slick132]

Ok - keep us posted as nec'y.

 

[martin2006]

You may get regular update letters from RW saying they are still looking into it, bottom line now is they cant go any further until they have the original credit agreement from BC and default notice and letter of assignment.