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Hi
Thanks for allowing me to join
I am in the last 12/18 month before my debts are status barred.
I have 4000 debt from barclay card the debt is assigned to hoist 2.
It was quiet until recently when the phone calls started, I was wondering if somebody could help me with a few questions
1) is statute barred from the default date?
2) do dca have to send yearly statements?
3) if b/card sent letters stating that they charged me. incorrectly and refunded me after the debt has been transferred to a dca would the have and impact on enforceability?
I have not received any letter from hoist for a while(couple of years)even though they have had the debt for 4.5 years, how would everybody proceed? Wait till letter before action and the fire off a cca request? Is it worth send a sar request to barclaycard so I am armed with information.
Thank you In advance
Thanks for allowing me to join
I am in the last 12/18 month before my debts are status barred.
I have 4000 debt from barclay card the debt is assigned to hoist 2.
It was quiet until recently when the phone calls started, I was wondering if somebody could help me with a few questions
1) is statute barred from the default date?
2) do dca have to send yearly statements?
3) if b/card sent letters stating that they charged me. incorrectly and refunded me after the debt has been transferred to a dca would the have and impact on enforceability?
I have not received any letter from hoist for a while(couple of years)even though they have had the debt for 4.5 years, how would everybody proceed? Wait till letter before action and the fire off a cca request? Is it worth send a sar request to barclaycard so I am armed with information.
Thank you In advance
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