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  1. #1
    Join Date
    Jul 2015
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    Default Recieved A letter from MONUMENT

    Hi guys.

    I had a credit card from monument back in 2006 which i did not pay off and went on until it disappeared from my credit file as i made no contact and the 6 years past since last payment made.

    Today I received a letter from monument stating

    :
    Further to your recent contact with our customer service department, please find a cheque enclosed for the outstanding credit balance of your Monument visa credit card account as requested.

    it has a cheque of some 300 odd amount attached to it.

    Just wanted to know if that is legit as I never contacted them at all and this letter came out of the blue.
    I wonder how they have my present address as I have been out of contact with them for last 11 years.

    Please let me know if it is legit or a trap to make me accept a statute barred debt again.

    Thanks
    Adam

  2. #2
    Join Date
    Oct 2016
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    Default Re: Recieved A letter from MONUMENT

    Quote Originally Posted by adam147 View Post
    Hi guys.

    I had a credit card from monument back in 2006 which i did not pay off and went on until it disappeared from my credit file as i made no contact and the 6 years past since last payment made.

    Today I received a letter from monument stating

    :
    Further to your recent contact with our customer service department, please find a cheque enclosed for the outstanding credit balance of your Monument visa credit card account as requested.

    it has a cheque of some 300 odd amount attached to it.

    Just wanted to know if that is legit as I never contacted them at all and this letter came out of the blue.
    I wonder how they have my present address as I have been out of contact with them for last 11 years.

    Please let me know if it is legit or a trap to make me accept a statute barred debt again.

    Thanks
    Adam
    Is it for PPI ?

  3. #3
    Join Date
    Jun 2007
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    79 Post(s)

    Default Re: Recieved A letter from MONUMENT

    Monument did have something called 'Payment Break Plan' and having a nosy they are repaying this with interest. Once a debt is statute barred it can not be unbarred and therefore no legal action can be taken against you.
    If your happy with the amount I would go treat yourself x


    ​​​​

    https://www.carersuk.org/

  4. #4
    Join Date
    May 2017
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    Default Re: Recieved A letter from MONUMENT

    Hi Adam, similar situation to my own. Did you present the cheque? Was it genuine or did it bounce?

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