DCA Chasing Old Debt

bassbassbass

Hi there,

I have recently been contacted by a DCA chasingan old debt I had with a store card. As I am now on the electoral roll theyhave written to me at my new address.

I ran into trouble paying the card paymentsprobably a good 8 or 9 years ago. It then got passed to this DCA whocontiunuously chased me for payment ever since but I have not heard from themfor about a year or two until i registered at my new address.



I have now received 3 letters and not respondedto any of them but the most recent one says i need to respond within 10 days orthey ‘may’ arrange to send a local representative to see me.



My question is this, i am 99.9% sure I have notpaid them any money in the last 6 years so I am tempted to send them a letteralong the statue barred route. I haverecently had a copy of my credit report and there is no mention of this account on there. What I am worried about issending them a statue barred claim letter and that riling them up and them puttinga default on my credit file. Would they be able to do that? We are looking atgetting a mortgage this year so a default would be not good! I’m thinkingbecause the original default would have been 8 or 9 years ago it would havefallen off my credit file had it been on there. But would they be able to putit on there again?



Any advice would be gratefully received!

fermi

bassbassbass wrote: »

I’m thinkingbecause the original default would have been 8 or 9 years ago it would havefallen off my credit file had it been on there. But would they be able to putit on there again?

No. They can't.

If they tried, then that would be way out of order and you could have it removed.

SeduLOUs

Send the statute barred letter, there's no harm, and the ball is in their court to prove that you have made a payment of acknowledged the debt in writing within the last 6 years.

If you have already had a default on your file they can't add another one. If you haven't had one already they have to add the default at the date you defaulted anyway, so it would be a pointless exercise (I'm not sure they can even edit data that far back).

Good luck!