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hello, I have read countless threads on DCA’s and how to get sorted regarding old debts however I am not quite sure which steps to take regarding my situation.
I had an unsecured loan in 2008 which defaulted in around 2010, is now off my credit file. I have been paying the DCA since approximately 2015 (in hindsight I should have not paid and it would be statute barred by now). My query is that they have recently sent me a full and final letter on three occasions offering to settle for 30% of the original balance. I then sent a letter back offering 50% of their offer which was refused. I have never sent a CCA request (I am confused with the pre/post 2007 stance but I know they are about the 10th DCA that the debt was sold to) and I am unsure if I should pay them the full settlement, or if there is any point paying that much at all considering it is off my file anyway. Many thanks in advance
I had an unsecured loan in 2008 which defaulted in around 2010, is now off my credit file. I have been paying the DCA since approximately 2015 (in hindsight I should have not paid and it would be statute barred by now). My query is that they have recently sent me a full and final letter on three occasions offering to settle for 30% of the original balance. I then sent a letter back offering 50% of their offer which was refused. I have never sent a CCA request (I am confused with the pre/post 2007 stance but I know they are about the 10th DCA that the debt was sold to) and I am unsure if I should pay them the full settlement, or if there is any point paying that much at all considering it is off my file anyway. Many thanks in advance
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