6 Yr Debt help.

Blackie1

Fire_Fox wrote: »

Maybe they have tried to find you, have you tried to find them?

Hi, they had my new address when i last move, they never contacted me and life moved on. I was waiting for new payment details but they nevr arrived!! I also refused to spend any more money on ringing them and being put on hold for 30 mins!!

Fire_Fox

Blackie1 wrote: »

Hi, they had my new address when i last move, they never contacted me and life moved on. I was waiting for new payment details but they nevr arrived!! I also refused to spend any more money on ringing them and being put on hold for 30 mins!!

The fact that you sent one e-mail does not mean your creditor received it. You might have typed the e-mail address incorrectly, you might have been given an old (incorrect) e-mail address to use, their inbox may have been full and it bounced, etc. I agree with you about phoning, but that is what recorded delivery post is there for. Proof to protect you, as much as for their benefit.

If you owe money it is your responsibility to pay as per the agreement, or at the very least keep in regular contact. If you lent someone money you would be pretty annoyed if you had to chase them and they moved without telling you! People have got CCJs in their absence through not keeping in contact with creditors, I would not wish this to happen to you.

Blackie1

HI

Thanks for your reply.

I agree that if someone owed me money i wold chase them. That is what i am doing as they never paid their Debt to Barclays. I was the one who got stuffed!!

I took the plunge anyway and was allowed a phone line. I also took it upon my self to go to Experian and re register there to find they already had my details all updated. There is no trace f any CCJ, or bad debt on my record and ive a credit score of 889 out of 999.

If they come to me asking for payment i will gladly pay them once ive tracked down the scheming low down rat who owes me the money!!!!! but having experience of DRA's they can come to me.

Thanks all for your help and advise.

Blackie

RAS

Hi
have you checked the other credit reference agencies?

If this debt is not on any of them, then the debt is almost certainly statute barred.

Blackie1

Hi

well what happens if fredrickson use another one... Wont i be opening up the flood gates for them!!! If they dont use experian and i update my files with the other 2 they will find me wont they!!

Why should i do their job for them!!..............

OR am i wrong

Will the other 2 agencies have updated records for me still because im on the voting register???

Blackie1

HI

Can anyone advise please.

Thanks

Blackie