1st credit-statute barred

angeljones74

Hi guys i hope you can help. I recieved a letter from 1st credit regarding an mbna credit card debt fom 2003. I sent a statute barred letter from this website registered post 10 days ago. I have now recieved 2 seperate letters off them today. One stating they are going to take legal action and one offering discounts for paying by a certain amount of time! No response per sae to my statute barred letter!!! What do i do now please help? :mad::eek:. Oh yes i also recieved a text yesterday offering me a discount if i pay now! Sooo Sooo sick of this!!

DarkConvict

Just remember it is 6 years from last payment/written acknowledgement, not the date you opened the agreement.

If this still the case send the follow up letter, bottom of this post - http://forums.moneysavingexpert.com/showpost.html?p=11571227&postcount=3

And a follow up letter if they won't go away.

Report them to the OFT and Trading Standards as well.

handyman123_2

angeljones74 wrote: »

Hi guys i hope you can help. I recieved a letter from 1st credit regarding an mbna credit card debt fom 2003. I sent a statute barred letter from this website registered post 10 days ago. I have now recieved 2 seperate letters off them today. One stating they are going to take legal action and one offering discounts for paying by a certain amount of time! No response per sae to my statute barred letter!!! What do i do now please help? :mad::eek:. Oh yes i also recieved a text yesterday offering me a discount if i pay now! Sooo Sooo sick of this!!

I recently had one like this from another well known DCA, they offered to add £50.00 to the account for each £100 I stumped up, this would save me 2.5K. I waited sent the CCA not recieved letter. Guess what, WE WILL BE TAKING NO FURTHER ACTION IN THIS MATTER. In my case it was a con if I have since found out that the alledged matter was unenforcable years ago. Stick with it the worst that can happen is you will have to make some arrangemant, the best they go away in short jerky movements.:j

Best wishes, handyman123.

vapourA

The letters and text are likely part of their normal batches, sent out without checking case by case. Don't fret too much, they need to send you a real reply to your complaint so get the letter DarkConvict linked to sent out and forget about it unless you get proof it isn't statute barred or you get real court papers.

angeljones74

Thanks all for your replies i have done as suggested and i am waiting for a reply xx

angeljones74

Hi guys help again please. They have now sent two seperate letters, one acknowledging the complaint and one from their solicitors department demanding payment within 7 days. What do i do now? They were both dated the same day. They are sooo annoying!! Thanks.