LINK financial sent me a reconstituted CCA from Barclaycard

[MIKE770]

6 yrs from last correspondence or 5 years Scotland do not panic unless e prove compliant CCA 1974 no way they can gett CCj unless you allow them to sit on hands their move next if ever

[echat11]

[QUOTE=Marty2.8;n1647492]

begging letter, your credit report will have your new address on it from one supplier you use. they can and will try right up to statute barred to get you to respond OF COURSE YOU WILL NOT WILL YOU? you respond no statute barred.[/QUOTE
How many years do I have to ignore them? please remind me

I'd work from the date that the Default Notice was sent to you. 6 years from that date. Then send them a Statute Barred letter, make sure you get Proof of Postage.

[Marty2.8]

[QUOTE=echat11;n1647498]

I'd work from the date that the Default Notice was sent to you. 6 years from that date. Then send them a Statute Barred letter, make sure you get Proof of Postage.

Hi, from which default, the original one has passed 6 years now and is off my credit file, but the last contact I had was after they admitted it was unenforceable, 18 months ago

[echat11]

[QUOTE=Marty2.8;n1647596]

Hi, from which default, the original one has passed 6 years now and is off my credit file, but the last contact I had was after they admitted it was unenforceable, 18 months ago

'the original one has passed 6 years now and is off my credit file,'

Provided you haven't made any payment or admitted the debt in correspondence over the last 6 years, then it's statute barred.

If you don't want to send the statute barred letter, you could fashion a 'leave me alone' letter until they can actually comply with your CCA request. You can add some bits from the FCA.

https://www.handbook.fca.org.uk/hand...ate=2016-03-07