Howard Cohen Solicitors - advice regarding debt that was passed on from this company

Gaia2014

I used to have a debt registered with DCA Howard Cohen and Co Solicitors as far back as the late 1990's. I then started a DMP with a fee paying company whom I am no longer with and I don't recall seeing this company on the plan (although they were originally).

I think Howard Cohen passed the debt on - possible to Hoist Portfolio or Robinson Way, but I've lost the original paperwork so I can't check for sure... don't particularly want to phone the DCA. I want to make sure the debt is included on my DMP because I don't want any nasty surprises in the future :eek:

The trouble is, I've had these debts for so long now that I have literally lost track of some of the original creditors (I have around 10 - stupid I know!). I've also heard that Howard Cohen issue CCJ's, so I'm worried i've got one of those without realising (I've moved a few times since the payments started). Is there any way I can get information regarding this? I suspect I won't find anything on my credit file because it was so long ago...Can't wait to be debt free!!!

fermi

What sort of account was it?

May be able to request information from whatever DCA or creditor it is via https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Default.aspx

dancingfairy

To be honest if you haven't heard anything for 6 years you're probably safe.
Because either:
if they haven't chased it yet then start chasing it it would be statue barred or
if there is a ccj and they haven't enforced it in 6 years then they would have to go to court and explain why, having had 6 years they hadn't attempted to enforce it.
df

fermi

Hmm..

https://forums.moneysavingexpert.com/discussion/5207433

Not clear on whether they are paying a DCA but not sure what for exactly?

Gaia2014

Thanks for the replies. The debt related to a high street store card - around £1,000 I think.

sourcrates

Gaia2014 wrote: »

Thanks for the replies. The debt related to a high street store card - around £1,000 I think.

As DF says, if you have not paid, or acknowledged any of these debts for a period exceeding 6 years, they may be statute barred by now.

Gaia2014

Hi, having looked through my paperwork I think the debt was passed on to the Lewis Group and then Robinson Way. i have been paying Robinson Way so in that respect I have acknowledged the debt right?

sourcrates

Gaia2014 wrote: »

Hi, having looked through my paperwork I think the debt was passed on to the Lewis Group and then Robinson Way. i have been paying Robinson Way so in that respect I have acknowledged the debt right?

Yes, unfortunately payment counts as acknowledgement, and restarts the SB clock.