Robinson Way, Egg/Barclaycard

[rjstann]

Had an old egg card that I defaulted on back in 2010.

Agreed payment of £1/month with egg then was informed barclaycard had assumed the debt.

Continued to make my payments but

 

 

they suddenly started getting rejected by barclaycard.

Eventually cancelled the standing order.

Last successful payment was may 2012 so about 9 months until it is statute barred.

 

Now out of the blue had a letter to my old address

(new occupant there has sent it on to me)

saying Robinson Way on behalf of Hoist are instructed to recover the debt.

 

First question is whether or not to ignore the letter as they still haven't quite found me?

Can they start proceedings without having my correct address?

 

From reading other posts on the forum it seems highly likely they wont be able to provide a true copy of my signed agreement

 

they wont be able to take any enforcement action in which case making contact with them now would head off any likelihood of court proceedings that i dont know about.

 

Any advice will be greatly appreciated.

[dx100uk]

Sent then a CCA request

[Bazooka Boo]

And ensure your credit file shows your current address, if they're sending begging letters to your old address, then they will chance their arm at a back door CCJ.

[slick132]

Hi RJ and welcome to CAG

 

If you defaulted on this Egg debt in 2010, it should no probably longer be showing on your CRA files, depending on when you defaulted.

 

Do you know the month you first defaulted on the a/c in 2010.

 

As you say, the a/c won't be SB'd until May 2018 but send the CCA request as suggested.

 

Also, read other BC threads here as you are not alone in your scenario.

 

[rjstann]

Thanks for the advice. I'll send the CCA letter and await developments.

 

The default has dropped off Noddle. Not sure about the others yet but it probably has.

[dx100uk]

And ensure your credit file shows your current address, if they're sending begging letters to your old address, then they will chance their arm at a back door CCJ.

 

Just to be clear..

It matters not what address shows on your credit file

 

Legally a claim can be issued to the last known address

For THE DEBT