Old credit card debt

[Oldeggdebt]

Hi

my wife was getting letters from robinson way for an old egg card that was sold to Barclaycard , taken out may 2005. The card was taken out in her maiden at an old address that we do not live anymore

The amount of debt is just under 14k

we last paid the card at end of 2016, due to financally matters were not able to pay card. Checked her credit file and default marked on sept 2018

Robinson way had been senting letters to my home address, Where she was on the election roll. They had offered an settlement amount of 7800

Hoist (same company) have now taken over the account. They have sent letters to our new address and emailed her.

we have not responded to any for the letters or called them

Has I do not want her to get a ccj. I am fearful that hoist will send claim letter to old address ( where we lived when egg card was taken out) without us Knowing. Therefore a back door ccj approved.

should I send a CCA at this point and SAR to Barclaycard
or wait for letter before court

we live in Northern Ireland.

The plan was to make a settlement deal at some point.

thanks

[MIKE770]

send cca now to see the layout of any case at this stage CCA Request post office proof posting receipt copy to copy of request

[GoodOldBoy]

Good advice from Mike there. Get the CCA request done asap. I suspect they have some reason for offering a settlement, perhaps a lost (msifiled) agreement.

[Oldeggdebt]

Hi
sorting out cca now

will I put her maiden or married name on cca letter (or does it matter)

debt in maiden name

thanks

[MIKE770]

name under their account then state now Mrsxxx

[Oldeggdebt]

Hi
just received letter from hoist thanking for query
said they will have contact original lender and may be 90 days for response.

[Oldeggdebt]

Hi
just to update
hoist could not find my wife’s credit card agreement and have heard nothing since.

was checking her credit score today and it seems that hoist have removed their default from her account.

there is still one from the barleycard( original credit company on her account.) can anything be done regards this?

many thanks