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20th March 2017, 10:53:AM #1
Recieved A letter from MONUMENT
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.
23rd March 2017, 06:20:AM #2
23rd March 2017, 07:23:AM #3
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
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