aged debt - following a period of inactivity

dobbollah

hi to all and thank you in advance for any advice.

Back in May 2015 I made a CCA request to a credit agency and they did not provide it, so i informed them they they were now in default and I wasnt required to pay, they wrote back saying collection activity would be suspended (ive moved house since then and am trying to track down that letter, i kept copies of all the letters I sent them)

4 and a half years on they wrote to me today, ill upload a copy of the letter from my mobile after this post.

Just after some advice, there is a section on the letter that says:

"This remediation exercise in no way effects the balance of your account, your repayment agreement or your obligation to repay the balance."

Am i good to just ignore this letter as nothing has changed...


(cant see how to upload a copy of the letter)??

sourcrates

No copy agreement means they cannot obtain judgement against you in court, that’s the only information that matters.

dobbollah

So ignore the letter...?

Given that this was back in May 2015 am I right to think in May this year... Its statute barred as its been inactive 6 years?

sourcrates

dobbollah wrote: »

So ignore the letter...?

Given that this was back in May 2015 am I right to think in May this year... Its statute barred as its been inactive 6 years?

Depends on the default date, if they have not been able to respond to your CCA request, I would just forget about it to be honest, concentrate on the debts that are enforceable, eventually it will go SB and will normally be forgotten about.

dobbollah

It's already fallen off my credit file so no harm there.

I'll do nothing then... And in May in will be 6 years since my cca request and sound be SB