Resolvecall

Hideen881

Hi,

I'm just after some quick advice please.

In my younger days I was a bit silly and racked up a few debts. I ignored letters etc. and over the years they started falling off my credit report.

Lately since moving house, i've been getting alot of letters from Arrow Global and now Resolvecall who are acting on behalf of Arrow. They're trying to chase a debt and wanting me to get in touch. I've had these letters in the past etc and nothing ever happened. They've said if I don't get in touch within 7 days of the letter, they will visit the property inline with COVID19 guidelines (been threatened many times before). 

I'm aware that after six years, a debt becomes statured barred and unenforceable, providing no written contact or payments have been made. I've spent this morning searching Equifax, Experian, and MoneySavingCreditClub to see if the debts are still on my credit file. They weren't and i'm sure they haven't been for a good while.

I also checked ClearScore and it shows that ArrowGlobal and the associated Bank account was removed from my credit report in November 2021. So I assume this means the debt is older than six years?

I'm 99% sure this debt is over six years old, I have never contacted any debt collector for this debt and the only contact made was with the bank making minimum payments prior to the debt defaulting, then going to debt recovery. My question is, should I send a staturred barred letter to the Resolvecall. I know there are many templates written specifically to avoid admitting the debt is yours etc. I'm worried that if Resolvecall were able to prove the debt is under six years old, where would this leave me? I just want them to stop hassling me, i've had 4/5 letters from Arrow in the past few months. 

Many thanks 

[Deleted User]

The debt may be over 6 years old, but when you last acknowledge it?

Hideen881

Deleted_User said:

The debt may be over 6 years old, but when you last acknowledge it?

I have never acknowledged it as I stated above. 

[Deleted User]

You didn't state that. You stated that you had been making minimum payments. Do you know when that was?

Hideen881

I have never contacted any debt collector for this debt and the only contact made was with the bank making minimum payments prior to the debt defaulting, then going to debt recovery.

thats what I said in my original post, I made minimum payments to the bank (not the DCA) prior to the debt eventually defaulting to a DCA. 

Hideen881

i'm more than sure it's been over six years since it defaulted to a DCA. 

[Deleted User]

Yes, that's exactly what I was referring to. When were those payments made? That will define the 6 year period.

Hideen881

I can't quite remember, but they would have definitely been before 2013. 

If I sent a statured barred letter, and hypothetically, if they came back and could prove that its under six years, how would I stand? This wouldn't reset anything in terms of the six years? as I wouldnt be admitting ownership of said debt.

thanks 

[Deleted User]

Just send a prove-it letter, putting the emphasis on them to demonstrate it's a valid debt. You don't need to say anything more than that.

Hideen881

thanks for the advice, will do. is it worth adding in the staturred barred too? 

Hideen881

Is it better to send a prove it letter or send a letter saying I do not not accept liability of the alledged debt and reference statured barred. Does anyone have a good template that I could use please?