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a debt collector is chasing me for payment of over £2000 fora debt I have made no payment or contact on since Feb 2010. I wrote to thecollection agent last month using a template letter regardingstatute barred, they responded with a letter stating march 2011 was the"default date" son my credit report so this loan is still collectable and that my filewill be moved back to collections if i don't pay within 30 days. I have appliedto have the default date on my credit report amended and is currently "in progress".
I wrote back, using templateletter again, but adapt it slightly to say that the default date has no bearingon the limitations act and I was still waiting on proof of a payment, writtenacknowledgement or CCJ - if they fail to provide it but continue to ask me forthe money based on the default date, I will take the matter to the Ombudsman.I did this and they have now written again to say the debt is enforceable because the default date on my credit report is March 2011 so NOT statute barred andwant payment. Not sure what I should do now? Should I tell the debt collector that I have requested the default date change? Any help on this default date nightmare would be grand!
I wrote back, using templateletter again, but adapt it slightly to say that the default date has no bearingon the limitations act and I was still waiting on proof of a payment, writtenacknowledgement or CCJ - if they fail to provide it but continue to ask me forthe money based on the default date, I will take the matter to the Ombudsman.I did this and they have now written again to say the debt is enforceable because the default date on my credit report is March 2011 so NOT statute barred andwant payment. Not sure what I should do now? Should I tell the debt collector that I have requested the default date change? Any help on this default date nightmare would be grand!
