Letter received from Robinson way / Horwich Farrelly after several years.

What-to-do_2

Hi, Several years ago (2003) I ran up debts on an unsecured loan and a credit card. The loan was for £10000 and the credit card £4000.

In January 2005 I ceased paying them, owing approx. £4000 on each, I had to do this as I had to come out of work to care for my Grandparents, one with Alzheimers (which is now far worse) and one had cancer.

This morning I received a letter from Robinson way / Horwich Farrelly threatening me with court action over one of the debts, the loan. I have NEVER been in communication with either the provider (Cahoot) or the DCA.

Would using the statute barred letter be the best thing to do? I can't remember receiving a default notice and the debt is now cleared (not showing) on the credit agency sites.

I found this on the threads: h**p://forums.moneysavingexpert.com/showthread.php?t=1868507
should I use the statute barred letter from here?

As a new user I am not allowed to post threads so please replace the ** with tt.

Now for the credit card, when looking on CRA site I have a debt of approx. £4000 showing, and the creditor showing as Arrow global, not Natwest. With this though the dates don't make sense, the date (according to Noodle credit) the account opened states sometime in 2006, defaulting in 2007. It can only be the debt I stopped paying in January 2005, so do some of these companies make up these dates, or renew them when they take them over?

I'm so confused and it is a little worrying, any help would be fantastic, and I thank you all in advance.

fermi

Arrow Global have a nasty habit of recording a new default at the date they buy a debt from the original creditor.

So no, the default date on that one is not likely to be accurate.

For example here: https://forums.moneysavingexpert.com/discussion/comment/52285377#Comment_52285377

Have a look at the info and links on this thread:

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

Should help you decide if the debts are statute barred.

If you are not sure, give National Debtline a call free on 0808 808 4000 to get their opinion.

Sounds very much as if they both should be statute barred. A more recent default does not change that. As the 6 years runs from the last date you made payment or acknowledged the debt (or in some cases 1 month after that). From your description that sound to be 6+ or even 7+ years.

What-to-do_2

Thank you very much Fermi for your swift response to my questions.

Your post as been very helpful, fingers crossed I may get this fixed yet.