Old debt - neither creditor can find me?!

amyc123

Hiya!

im trying to pay off everything I owe - so far so good, I’ve got about 800 quid left!

I’ve got a debt showing from Intrum for £290. I’ve been on the phone to Intrum for about 4 days who have said it was passed to credit security limited… again, been on the phone to them who have said it’s an archived account and it’s back with Intrum.. and a cycle has started.

I’ve got no idea where to start with clearing this as no one wants to take my payment or has an active account for me on their systems 😩

I’ve tried the original creditor who won’t take it either…


any advice??!

sourcrates

Nothing you can do if the debts owner is not in contact with you.

Sold on, defaulted old debts live in a twilight zone all of their own.

They have been sold on so many times, its difficult to establish ownership, unless that owner is currently collecting that account.

If its not been chased, I really would not bother.

fatbelly

What's the default date on the credit report?

amyc123

Start date 13 Aug 2018

Last updated

02 Jun 2023

According to Experian but I don’t know how that’s possible when that company are saying it’s archived and they can’t do anything but add notes 😩

amyc123

Sorry! Default date Apr 2020

sourcrates

amyc123 said:

Sorry! Default date Apr 2020

In that case it will disappear in 3 years regardless of what you do.