credit card debt

ballyclover

hi

my wife had a capital one credit card.For some reason best known to herself she stopped paying it and we moved several times.She has not come clean to me as the debt collectors have traced her to our current address.

She has said she got a letter from the collectors which said either she took the card out in Feb 2004 or made last payment in 2004, but she cannot find it,If its the latter she can claim the debt barred under the 6 year thing.

Question is how does she confirm this with out acknowdleding the debt? They have turned a bit nasty telling her in letters we know where you live as we have traced you to this address.However she is currently involved in a court case on a different matter, the person that brought the case against her had to apply to the courts for comformation of her whereabouts as she refused to confirm her address to them.They told her they had traced her to the address but she was not on the elctrol role,the courts served papers through accessing my wifes benifts payments.

With this is mind can she just continue to ignore the letters or send them back as not known at this address.

The reason my wife took the action she did and try to escape the world is she was in a violent relationship before she met me and fled her husband, hense not being on electrol roll etc

thanks in advance

RAS

The debt may well be statute barred and she can find out whether it is still on her credit record. The default is likely to be 6 months after the last payment and will drop off the credit record after 6 years.

However, even if it is not statute barred, the vast majority of Cap 1 CCs from that date are non-existant.

DarkConvict

The SB template, does not acknowledge the debt - http://forums.moneysavingexpert.com/showthread.html?p=11571227#post11571227