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Hi all after some advice on what to do about this. Sorry for the length. But thought it best to start with all the facts!
Stupidly, I lived off credit cards during my degree as I had children and didn’t qualify for benefits and then couldn’t pay them when I finished in May 2005. I entered a payment plan with CCCS in August of that year where I paid heavily reduced payments to all my creditors for about 9 months as I was on JSA.
Within this, I had a credit card which refused to accept the payment amount offered and said they would have a £5 a month token payment as I couldn’t pay enough to show the debt would be paid in a reasonable time. I had to cut up the card and return it to them at this time and they agreed to freeze interest and charges (does this suggest it should have been entered as a default in 2005?)
I paid bits here and there again through CCCS from Oct 2007 to March 2008- but not this debt as they weren’t hassling me and I knew they would only accept a fiver anyway.
Anyway, this credit card company just kept sending me a statement every month with the £5 request and I just kept ignoring them and didn't pay as they never called or sent any other form of letter, unlike all the other debt collection agencies. This continued until 2011 at least (last statement I can find!).
Now I am in a position where the clock is ticking and I want to take out a mortgage. However, my credit file has a default registered mid 2013 (so now there until 2019!!) from what I can only presume from the balance is this credit card debt. All other CCJs and defaults from then, except two items which will go soon, have now fallen off due to the default dates. I receive regular letters from them asking for payments now too.
The payment information and first entry starts in 2012 registered by a collection agency and has an arrangement to pay on it which then says was defaulted on- some green payment markers, then some 6 markers, green markers again, then a 1 then a 6 then a Default. Although there are payment markers from 2012 to 13- the balance is exactly the same as the statement from 2011 if it is the same debt so clearly no payments were made!
I don’t recall entering a plan with anybody at this time What is bothering me is this indication of payment plans and payments- where have these come from? Is there a way I can find out without acknowledging? I am pretty sure I didn’t make any contact acknowledging the debt so it should be statue barred except for these ‘apparent’ payments’ which would have reset the clock though.
What can I send to find out what this debt actually is and if it is the same? I was going to send a statue barred letter, but they can say I have made payments according to the CRA files- even though I have no memory of this. How can I find out what these were and where they have come from?
Stupidly, I lived off credit cards during my degree as I had children and didn’t qualify for benefits and then couldn’t pay them when I finished in May 2005. I entered a payment plan with CCCS in August of that year where I paid heavily reduced payments to all my creditors for about 9 months as I was on JSA.
Within this, I had a credit card which refused to accept the payment amount offered and said they would have a £5 a month token payment as I couldn’t pay enough to show the debt would be paid in a reasonable time. I had to cut up the card and return it to them at this time and they agreed to freeze interest and charges (does this suggest it should have been entered as a default in 2005?)
I paid bits here and there again through CCCS from Oct 2007 to March 2008- but not this debt as they weren’t hassling me and I knew they would only accept a fiver anyway.
Anyway, this credit card company just kept sending me a statement every month with the £5 request and I just kept ignoring them and didn't pay as they never called or sent any other form of letter, unlike all the other debt collection agencies. This continued until 2011 at least (last statement I can find!).
Now I am in a position where the clock is ticking and I want to take out a mortgage. However, my credit file has a default registered mid 2013 (so now there until 2019!!) from what I can only presume from the balance is this credit card debt. All other CCJs and defaults from then, except two items which will go soon, have now fallen off due to the default dates. I receive regular letters from them asking for payments now too.
The payment information and first entry starts in 2012 registered by a collection agency and has an arrangement to pay on it which then says was defaulted on- some green payment markers, then some 6 markers, green markers again, then a 1 then a 6 then a Default. Although there are payment markers from 2012 to 13- the balance is exactly the same as the statement from 2011 if it is the same debt so clearly no payments were made!
I don’t recall entering a plan with anybody at this time What is bothering me is this indication of payment plans and payments- where have these come from? Is there a way I can find out without acknowledging? I am pretty sure I didn’t make any contact acknowledging the debt so it should be statue barred except for these ‘apparent’ payments’ which would have reset the clock though.
What can I send to find out what this debt actually is and if it is the same? I was going to send a statue barred letter, but they can say I have made payments according to the CRA files- even though I have no memory of this. How can I find out what these were and where they have come from?
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