Being chased for an old debt

[cherycold12k]

Hi and hope you can help me.

I'm being chased for a very old debt dating back to the early 2000s that has been sold on several times. The original CC debt was sold onto a DCA
who I contacted and agreed a payment plan in which I paid a token payment of £1. I forgot all about the plan until I got a letter from a new DCA and
assumed the debt had been sold onto them. I kept making the token payment and after losing my job during the covid lockdowns had to cancel the
standing order.

I had forgotten about the debt until recently, when I received a letter from a DCA chasing the debt which is about £9K. A friend told me about this website
and following advice from the forums, I sent them a prove it letter. The DCA have sent an acknowledgement and I'm waiting to see if they'll
send me a copy of the CC agreement which I think is highly unlikely as the debt was before 2004.

I'd like some advice on what I should do next? I don't think the debt is statue barred because I was making a token payment and its possibly a few months
short of the 6 years limit. I've been told that I can send letters querying the debt until it becomes statute barred. But I'm worried that I'll be taken to court and
end up with a CCJ. So I think a better option would be to negotiate a final settlement offer with the DCA.

Can someone please let me know whether it's worth seeing if the debt is unenforceable or just opt for making final settlement offer?

Sorry for the long message but this is really stressing me out. I suffer from anxiety and the stress is starting to affect my performance at work, and I'm
worried that I'll lose my job as a result. Also, I'm trying to repair my poor credit score and can't risk getting a CCJ.

Thanks in advance for your help. :-)

[echat11]

Hi CHERY

Welcome to LB

Try not to worry about it.

You've sent a CCA request, it's a fairly old account. As you say, it's very likely that they will have great difficulty finding a copy of the CCA which will make the debt 'unenforceable'. Even if they provide a copy, it has to be 'compliant'.

You are a long way off a CCJ. The only way you get a CCJ is if you ignore Judgments, the matter isn't even with the Courts.

Update the thread when you get a response to the CCA request.