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Old credit card debt
newguy007
Posts: 9 Forumite
in Credit cards
I got a letter today regarding an old credit card which I had with Barclays around 10 years ago. It seems debt has been sold to Cabot financial. I don't see any black mark on my credit file, so I am surprised to receive this letter today. Can they still demand the payment? Do I need to reply to the letter? If I do contact them, will this cause any problem?
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Comments
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It depends on whether it's statute barred.
When did you last acknowledge it?0 -
...And when you say you see nothing on your credit file, have you checked against all three CRAs?I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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This is the first time I have received this letter in the last 10 years. I did move house a couple of times. I think this debt might be actually around 15 years old.
I have checked my credit report using Noddle, ClearScore and Experian. I don't see any report about this debt.0 -
Assuming that you have not acknowledged the debt in some way over the years, and there is no CCJ against you for the debt, then the debt will be Statute Barred and unenforceable.
What does the letter actually say?
Edit: And welcome to the forum newguy007
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
It basically says 'Our Summer Offer' and that I can save 50%. Offer is valid for 14 days. It mentions they can report to Experian, Equifax and Callcredit.
Like I said before, this is the first time I have received this letter. I have lived at my current address for the past 5 years.0 -
Is it worth searching for CCJ using trustonline.org.uk website even though I don't see it in any of the credit reports from the companies I have mentioned above?0
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I would send them a statute barred letter.
https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspxI work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
I did an online search and it seems there is no CCJ registered against me.
England and Wales Orders & Judgments
NOTHING REGISTERED
England and Wales High Court Judgments
NOTHING REGISTERED
England and Wales Fine Defaults
NOTHING REGISTERED
England and Wales Tribunal Awards
NOTHING REGISTERED0 -
Okay, I will send the letter and see.0
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As you’ve been advised send a statute barred letter. They should go away
EDIT crossed with post from OP saying they would send the letter0
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