HPH2 email re old EGG Barclaycard debt - SBd

[greyhotspot]

Hi,

 

I received an email this afternoon from Robinson Way chasing a debt of around £4500.

This debt fell off my credit report in June this year, and I think its statute barred, although I don't know if I ever made payments that have not been recorded and I have changed banks since so its not easy for me to check

 

I think I understand the burden of proof is on them but I am unsure what my next move should be.

On my credit report it stated 'owner gone away' before it fell off.

 

Thanks in advance for any advice.

[BankFodder]

Best to send them the statute barred letter and see what response it draws.

[renegadeimp]

Email? I'd totally ignore it unless a letter comes. They have absolutely no way of telling if that email is still in use.

 

Ignore and if they actually send a letter then use the SB.

[greyhotspot]

Thank you both.

 

When I was a little more stupid than I am now I told them I didn't live where I lived ...

 

I think that accounts for the owner gone away.

 

And they never tried to chase.

 

I have since moved house twice ...

 

and currently, dont have a fixed address.

 

Should I still wait it out?

 

If it isnt statute barred then it really very nearly must be.

 

Im worried they may try for a CCJ ...

[Ford]

although I don't know if I ever made payments

ensure though then that there have not been any relevant payments before sending a barred letter, as otherwise that might prompt them to take immediate action if there has been a qualifying payment and its near to becoming barred

[BankFodder]

Email? I'd totally ignore it unless a letter comes. They have absolutely no way of telling if that email is still in use.

 

Ignore and if they actually send a letter then use the SB.

 

I hadn't picked up on the email part. I think that the advice above is probably the one to follow

[dx100uk]

whats the debt all about?

[greyhotspot]

Hi DX,

 

HPH2 LTD (Ex Barclaycard) was an egg card before this ...

[dx100uk]

last payment date?

 

as you are of no fixed abode ...

have you not got a C/O address?

[greyhotspot]

I don't know the last payment date, there were no payments recorded on my credit record that I could see for six years but that doesn't always mean there wasn't one made does it? It dropped off my credit record in June. I was thinking of asking for bank statements but I sometimes used to use cheques of my ex partners to pay things ...

I don't know how to find out ....

Yes I can use a C/O address.

[dx100uk]

just send the SB letter then.

 

dx

[ericsbrother]

and give a current address for their response should they make one, you dont want a claim going to an old addressa nd then gettinga default CCJ