An offer to 'buy back your account'?

Andys1

My ex has been receiving demands etc. from a well known dca for about 6 months now, and hasn't bothered with replying etc. (Can't be bothered and just ignoring them more than anything I guess) and I know the debt is a few years old, but she's not sure if it's the 6 year age.

Well, she's had the usual threatening letters about ccj's, bad credit etc.. then this dca's 'in house lawyers' have written to her with an offer to buy back her account (it's an outstanding bank debt) if she were to agree to a set amount each month.

That's a new one on me, and I'd have thought in 6 months of no response from her, they would have gone with the ccj route if they could?

Is this option a usual method from a dca to try and firstly get someone to make an offer in writing, or is it, in my mind, them just chancing their arm?

Any help appreciated.

GeorgeUK

Either that or trying to get the statute barred clock restarted.

If she were to send a subject access request (cost £10) to the original creditor (asking for all details they hold on her rather than specifying an account so not acknowledging the debt), she may be able to find out when the last payment was.