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    • Tripledrop
    • By Tripledrop 19th Apr 18, 1:11 PM
    • 311Posts
    • 44Thanks
    Tripledrop
    Old Credit Card Debt Help
    • #1
    • 19th Apr 18, 1:11 PM
    Old Credit Card Debt Help 19th Apr 18 at 1:11 PM
    Firstly, admin please move to more appropriate forum if necessary.

    Hi all, I wondered if someone could provide some advice/suggestions for me?

    A long time ago (15 years or so), I took out a credit card with Egg. I was young, and at some point after this, I entered into an informal debt management arrangement (through PayPlan) with all of my debtors, including Egg.

    Within the last few years, all of my debts have been completely cleared, and I now have a 999 rating with Experian.

    However, as you may be aware, Egg hasn't existed for a long time. My account was purchased by Barclaycard (then Hoist, then back to Barclaycard) years ago. When it came to approaching my creditors to offer payments, nobody could find record of my Egg credit card at Barclaycard.

    At the time I called them (2014), and they said they had no record, and I asked whether that meant I didn't have to pay. They agreed, but unfortunately I have lost the recording of the call I made.

    Next thing I know was in August last year, I got a letter from Robinson Way requesting (in their normal lovely way), that I pay back the money. I immediately (on advice from here I believe), wrote Barclaycard a letter under the consumer credit act, asking for a copy of my credit agreement within the normal 12 working days, attaching a postal order for the 1 charge.

    I never heard back.

    I have received a few other letters from Robinson Way, however I guess as the amount is so small (less than 300) I haven't had anything too threatening.

    Today I called Barclaycard, and they have no record of the letter I sent (and being best part of a year ago, I no longer have the proof of postage). They advised to write to them again requesting my credit agreement.

    Debt is not on my credit report.

    What would people's advice or suggestions be?
    Last edited by Tripledrop; 19-04-2018 at 1:13 PM.
Page 1
    • zx81
    • By zx81 19th Apr 18, 1:20 PM
    • 19,380 Posts
    • 20,709 Thanks
    zx81
    • #2
    • 19th Apr 18, 1:20 PM
    • #2
    • 19th Apr 18, 1:20 PM
    Ignore your 999 score for start, obviously. It's very common amongst those with poor credit histories.

    Apart from getting the credit agreement, when did you last acknowledge the debt?
    • Gary_Dexter
    • By Gary_Dexter 19th Apr 18, 2:07 PM
    • 2,596 Posts
    • 1,460 Thanks
    Gary_Dexter
    • #3
    • 19th Apr 18, 2:07 PM
    • #3
    • 19th Apr 18, 2:07 PM
    If it's not on your credit report then my guess is that it's over 6 years old since default/contact made and it's now dropped off.

    This would make it statute barred and not enforceable anymore
    • Tripledrop
    • By Tripledrop 19th Apr 18, 2:08 PM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    • #4
    • 19th Apr 18, 2:08 PM
    • #4
    • 19th Apr 18, 2:08 PM
    I know about the score, its just nice to be accepted for everything last few years when I had such a bad time before..

    What does acknowledging mean? I called Barclaycard today?
    • Gary_Dexter
    • By Gary_Dexter 19th Apr 18, 2:16 PM
    • 2,596 Posts
    • 1,460 Thanks
    Gary_Dexter
    • #5
    • 19th Apr 18, 2:16 PM
    • #5
    • 19th Apr 18, 2:16 PM
    I know about the score, its just nice to be accepted for everything last few years when I had such a bad time before..

    What does acknowledging mean? I called Barclaycard today?
    Originally posted by Tripledrop
    Acceptance has nothing to do with the score though.

    Acknowledging as in made a payment, confirmed you owe the debt etc.

    Have you done any of that in the past 6 years
    • Tripledrop
    • By Tripledrop 20th Apr 18, 9:25 PM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    • #6
    • 20th Apr 18, 9:25 PM
    • #6
    • 20th Apr 18, 9:25 PM
    I guess so then.. I was paying payplan an amount each month until some point in 2014 for my debt management plan, and a part of that was for this debt..
    • Tripledrop
    • By Tripledrop 25th Apr 18, 9:57 AM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    • #7
    • 25th Apr 18, 9:57 AM
    • #7
    • 25th Apr 18, 9:57 AM
    Any other advice from anyone? Thanks
    • Tripledrop
    • By Tripledrop 17th May 18, 9:31 AM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    • #8
    • 17th May 18, 9:31 AM
    • #8
    • 17th May 18, 9:31 AM
    So received another letter from Robinson Way, offering a 25% discount (same letter received last couple of times).

    Anyone have any advice on how I should proceed?
    • Gary_Dexter
    • By Gary_Dexter 17th May 18, 10:13 AM
    • 2,596 Posts
    • 1,460 Thanks
    Gary_Dexter
    • #9
    • 17th May 18, 10:13 AM
    • #9
    • 17th May 18, 10:13 AM
    If the debt is still valid and not statue barred then you need to pay it otherwise they can pursue a CCJ
    • Tripledrop
    • By Tripledrop 17th May 18, 12:21 PM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    OK, thanks... So if I pay this, will it then appear on my credit report? It doesn't currently as way too old...

    Same question but if I pay the offered, reduced amount, or negotiate even less?
    • Gary_Dexter
    • By Gary_Dexter 17th May 18, 12:24 PM
    • 2,596 Posts
    • 1,460 Thanks
    Gary_Dexter
    No it won't re-appear - but a CCJ is issued then that will.

    I don't believe this to now be statute barred since you were making payments to them in 2014 - thus the 6 year limitation would come into play in 2020

    You could contact them and make your own settlement offer and see what they say
    • OnTheRun
    • By OnTheRun 17th May 18, 1:10 PM
    • 31 Posts
    • 13 Thanks
    OnTheRun
    Firstly, admin please move to more appropriate forum if necessary.

    Hi all, I wondered if someone could provide some advice/suggestions for me?

    A long time ago (15 years or so), I took out a credit card with Egg. I was young, and at some point after this, I entered into an informal debt management arrangement (through PayPlan) with all of my debtors, including Egg.

    Within the last few years, all of my debts have been completely cleared, and I now have a 999 rating with Experian.

    However, as you may be aware, Egg hasn't existed for a long time. My account was purchased by Barclaycard (then Hoist, then back to Barclaycard) years ago. When it came to approaching my creditors to offer payments, nobody could find record of my Egg credit card at Barclaycard.

    At the time I called them (2014), and they said they had no record, and I asked whether that meant I didn't have to pay. They agreed, but unfortunately I have lost the recording of the call I made.

    Next thing I know was in August last year, I got a letter from Robinson Way requesting (in their normal lovely way), that I pay back the money. I immediately (on advice from here I believe), wrote Barclaycard a letter under the consumer credit act, asking for a copy of my credit agreement within the normal 12 working days, attaching a postal order for the 1 charge.

    I never heard back.

    I have received a few other letters from Robinson Way, however I guess as the amount is so small (less than 300) I haven't had anything too threatening.

    Today I called Barclaycard, and they have no record of the letter I sent (and being best part of a year ago, I no longer have the proof of postage). They advised to write to them again requesting my credit agreement.

    Debt is not on my credit report.

    What would people's advice or suggestions be?
    Originally posted by Tripledrop
    If you don't have evidence to support your claim that you have paid off all of your debts, contact the DMP provider and see if they will confirm it.

    Otherwise, without evidence to support your claim, and with ongoing claims from debtors, one can only summize that you have not paid off all your debts yet.

    In which case, get back onto your DMP provider and get a comprehensive statement of exactly wherre you are with all the debts included in your DMP.

    And ask them why, when the debt was included in the DMP, you are now being chased for settlement by the creditor.

    Was it beacause, for example, you failed to keep up with your DMP?
    (because why would you, when for some reason, you seem to think you don't have any debts anymore...)

    Why would your credit history not show up credit accounts you have been repaying since as recently as 4 years ago?

    I have credit card accounts, some that are 20 years old, and they still show on my credit history files (as the accounts are still live).
    Last edited by OnTheRun; 17-05-2018 at 1:15 PM.
    • Tripledrop
    • By Tripledrop 18th May 18, 11:21 AM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    Although I was in a DMP, I made all offers and payments myself, not through the DMP. Reason for this was I couldn't pay them all at once, and if you do through DMP they're obligated to split the money between all debts and since I was making final offers, I couldn't do this way.

    Not sure why this wouldn't show up on credit report (it definitely doesn't), as if they are correct and it isn't paid, it would still be live?
    • eskbanker
    • By eskbanker 18th May 18, 11:37 AM
    • 8,440 Posts
    • 9,552 Thanks
    eskbanker
    Have you obtained credit reports from all three ratings agencies?
    • zx81
    • By zx81 18th May 18, 11:37 AM
    • 19,380 Posts
    • 20,709 Thanks
    zx81
    Not sure why this wouldn't show up on credit report (it definitely doesn't), as if they are correct and it isn't paid, it would still be live?
    Originally posted by Tripledrop
    The answer still hinges on the age of the accounts and when they defaulted, which doesn't appear to have been answered yet.
    • Tripledrop
    • By Tripledrop 24th May 18, 4:31 PM
    • 311 Posts
    • 44 Thanks
    Tripledrop
    I would estimate the defaults occurred 10 to 15 years ago, so well past the 6 years they are allowed to show up on credit reports.

    I have not received credit reports from the other 2 agencies, however this Egg one used to show up on Experian.

    My credit appears fine now, took out a second Audi car finance a couple weeks ago (2nd is for my wife), have a new-ish credit card from nationwide, and multiple mobile phone contracts.
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