EXPERIAN + ROBINSON WAY coincidence?

kimber8

Sorry if this is the wrong place but i didnt know where to post
I left the UK to live in the states in 1999 i had a Halifax cc which i paid off and i guess they didnt close the account . I later found out through a letter in 2003 that i owed £3000 to them through insurance charges on said card and then through non payment of those charges the interest on them.
I refused to pay it after fighting with halifax for about 2 weeks from the states as i never agreed to insurance and had what i thought closed the account. Robinson Way bought the debt, i have never spoken to them , written to them or acknowledged them in anyway at all. My parents stopped getting phonecalls and letters around 2008.. so that was that or so i thought!
I moved back to the UK in 2010 and after a bit of a struggle got a bank account, knowing i must have bad credit i never tried to obtain any.
About 2 months ago i got a free credit report from Experian and it was blank no BAD CREDIT to be seen at all just my one bank account in good standing, I figured i had been out of the country so long the Halifax debt was taken off the report.
I have since obtained a mobile phone contract and seem to be building credit. HOWEVER now i have just started getting letters from Robinson Way again out of the blue saying i now owe £5125 lol just thrown all letters in the bin and not acknowledged them again.
Is it a coincidence that after getting my report RW are hounding me again?
Also can RW place a CCJ on my report for the debt even though its over 11 years old?
My 30 days free trial is up so i dont want to pay to check my report to see if they have done this.
Any advice would be great.
Many thanks

fermi

kimber8 wrote: »

Is it a coincidence that after getting my report RW are hounding me again?

Probably not. Getting your credit report has probably linked some data together and alerted outstanding creditors.

kimber8 wrote: »

Also can RW place a CCJ on my report for the debt even though its over 11 years old?

The would have to go to court for a CCJ.

If this debt has gone for over 6 years without acknowledgement or payments, then it would be statute barred.

Meaning they shouldn't be able to get a CCJ.

See: https://forums.moneysavingexpert.com/discussion/2606811

fatbelly

It's not a coincidence. You came up on their radar after applying for a credit report.

The debt (alleged debt!) would have become statute barred sometime in 2005. They cannot enforce it in court. Or if they tried, you have a defence.

If you state that you will not be paying them because of this, OFT rules say that they must stop collection activity on the debt.

The factsheet explains...

Factsheet | Liability for debts and the Limitation Act

kimber8

thanks for answering. I shouldnt have said CCJ i meant to ask "Can RW mark my credit report as owed to them with the debt not originally being with them? Even though its 11+ years old?
I like having a clear report now and want to keep it that way.
ll help greatly appreciated.

fermi

kimber8 wrote: »

"Can RW mark my credit report as owed to them with the debt not originally being with them? Even though its 11+ years old?
I like having a clear report now and want to keep it that way.
ll help greatly appreciated.

No, they can't.

Any old default would have been removed from your reports after 6 years. Once gone, they are not allowed to register another one, or record anything else about the debt.

kimber8

fermi wrote: »

No, they can't.

Any old default would have been removed from your reports after 6 years. Once gone, they are not allowed to register another one, or record anything else about the debt.

Thanks so much.. What a relief!! I guess i should just stick to my guns and just keep ignoring them then.