Another HFO Services thread..

Mrs_Ryan

I got a letter from these clowns yesterday about a Barclaycard debt of 1172.75. Now Im fairly sure this account is very close to being statute barred, it was opened in early June 2005 and as far as I remember the only payment was made in July 2005. However I had a mini breakdown in 2006 and basically have very little memory of the time before that so my dates could be wrong but Im certain its from that time.

I've done a Prove It letter which will go on Monday but I've read numerous stories of their scare tactics and am slightly worried. I dont own my house but I had a wrangle with 1st Credit 4 years ago when they insisted that they didnt believe me and would get a charging order anyway :mad: (my name doesnt appear on the deeds to the house, technically Im a tenant) I ha ve heard this lots favourite tactic is somewhat similar and I cant be doing with it right now... I'm on a DMP and half tempted to hand it to them to deal with but I know its so close to being SB... advice anyone???!! thanks

bottleofred

Hi Mrs Ryan,

Send the prove it letter and wait to see what happens. You could also get a copy of your credit report though to see if any default associated with the card is still on your credit file. After this period of time, I'd be surprised if they can prove you owe the debt, but you can never be sure. Print or type your signature, as some dcas have been known to create proof when it suits them.

Good luck

Red