link financial

pappa_golf

I had an outstanding debt via them , this disappeared from my credit file several mths ago (think it was july/aug last yr)


letter in the post from them today


statement of account


clearly showing date assigned as 10/03/2009


as this has clearly gone over the 6 yr stage , and has disappeared from my credit file , I know that they would struggle getting a court to restart proceedings


why have I been sent this letter ? will I get a "birthday card" from them every year till I die?

Gordon_Hose

The date of the last payment is important, when did you last pay them?

Have you ever acknowledged this debt in writing?

pappa_golf

date of last payment would be back in 2009 , no contact has been made with this company in the time between then and now , I have moved address approx. 4 yrs ago , they were not informed.

pappa_golf

I have just rechecked noddle and clearscore , the account was on noddle last year , but has timed out now and gone

fermi

pappa_golf wrote: »

why have I been sent this letter ? will I get a "birthday card" from them every year till I die?

A statement of account is a legal requirement of the Consumer Credit Act(s), so DCAs are having to get used to sending these. Even when the account is basically 'duff' some other way.

pappa_golf

ok thanks , how long are they obliged to continue sending me birthday reminders?


several other (smaller) defaults have run out , but they are not writing to me any more

fermi

In theory, indefinitely. In practice I would imagine they'd give up in the not too disant future when it's apparent that giving up on the account is their sensible option.