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Hi All,
In the past few months, I have started to receive letters in my previous married name for an old CCJ ( Egg credit card).
The last payment was made to Egg via Debt Free Direct in 2009 ( failed IVA)
The CCJ has dropped off my credit report but I'm aware that legally I still owe the debt and it's not statute barred
I did successfully claim PPI against Egg about 3 years ago which was automatically put towards the amount owed by Egg themselves
1. Does NCO Europe have to apply to the courts to enforce the debt after all this time or can they proceed with threats to visit regardless
2. Did the PPI claim reset the clock in any way
I haven't acknowledged any correspondence but have been spooked by a text received just now asking me to contact them
I've just read up on them and they seem real hard core DCA's
Thanks
In the past few months, I have started to receive letters in my previous married name for an old CCJ ( Egg credit card).
The last payment was made to Egg via Debt Free Direct in 2009 ( failed IVA)
The CCJ has dropped off my credit report but I'm aware that legally I still owe the debt and it's not statute barred
I did successfully claim PPI against Egg about 3 years ago which was automatically put towards the amount owed by Egg themselves
1. Does NCO Europe have to apply to the courts to enforce the debt after all this time or can they proceed with threats to visit regardless
2. Did the PPI claim reset the clock in any way
I haven't acknowledged any correspondence but have been spooked by a text received just now asking me to contact them
I've just read up on them and they seem real hard core DCA's
Thanks
