2 default notices for same debt?

Ob1Toby

Hi all

I have a small forgotten credit card debt from years ago, which ive just been contacted about by a dca.

I issued a sar to the lender and dca

The results were that the credit card company issued 2 default notices ( which are not on my credit file) 1 in early 2019 and the other in late 2024

The last payment on the account was in early 2018

My questions are:-

Can a creditor issue 2 default notices? Surely, once its defaulted, its defaulted.

Is this account statute barred? Both the last payment and the expirey of the 1st default were both more than 6yrs ago

Does the fact that the default notice/s are not registered on my credit file have any bearing/effect on this?


Thanks for any replies in advance

fatbelly

Yes

Yes it's statute barred

Yes - it is correct that nothing appears on your credit file.

You can send them a statute barred letter, which also reminds them of their requirements under CONC 7. I thinl there is a template in the stickies on debt free wannabe