Hi, new here and after some advice after reading a lot of similar situation threads.
Long story short got into debt/credit card issues back in 2007/8 . Defaulted 08/09 last payment was early 08 Moved out of country to start a new life...
Skip forward to today I'm now back in country for family reasons, have been for a while. Got a combined letter from capquest/intrum/resolve call. The debt in all these years has changed debt collection agencies multiple times and now in the hands of Intrum/resolve.
No communication from me to anyone, no calls, emails, payments, no acknowledgement from 08 to present day... so its very old debt, i checked the registry several times in 2010/11/12 and and no CCJs appeared. Credit history and registry are all clear as of checking this week.
The resolve letter mentions the usual, no reply to this letter in 7 days from date of the letter (5th of May) and only arrived the day, arrange for a doorstep visit etc etc.
As the age, no comms it should be barred? Can I just ignore the letter or is it best to send them the time ran out/statute barred letter .. I know the letters are scare tactics and they probably realise its barred but still unnerving reading.
Thanks for reading and any help/advice!
Long story short got into debt/credit card issues back in 2007/8 . Defaulted 08/09 last payment was early 08 Moved out of country to start a new life...
Skip forward to today I'm now back in country for family reasons, have been for a while. Got a combined letter from capquest/intrum/resolve call. The debt in all these years has changed debt collection agencies multiple times and now in the hands of Intrum/resolve.
No communication from me to anyone, no calls, emails, payments, no acknowledgement from 08 to present day... so its very old debt, i checked the registry several times in 2010/11/12 and and no CCJs appeared. Credit history and registry are all clear as of checking this week.
The resolve letter mentions the usual, no reply to this letter in 7 days from date of the letter (5th of May) and only arrived the day, arrange for a doorstep visit etc etc.
As the age, no comms it should be barred? Can I just ignore the letter or is it best to send them the time ran out/statute barred letter .. I know the letters are scare tactics and they probably realise its barred but still unnerving reading.
Thanks for reading and any help/advice!
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