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By way of background I have started to get chased for 2 credit card debts that my now ex wife agreed to take on in mediation when we divorced. The debts were in my sole name but after the mediation I stoped receiving correspondence from the companies and she told me she was dealing with them. Rather foolishly I trusted her and didn’t think to get it added to our final settlement these have frustratingly now reappeared after I have paid off the other debts, and she is denying all knowledge.
After trawling the forums I think I have an idea of what I can do but, just want clarify a couple
of things before I before I dive in;
1. The first debt is with Cabot, I have received a letter from the offering a full and final settlement which is a 90% discount on the debt. I think it is statute barred. My plan is
to use the national debt line “time has run out letter”. If it hasn’t become statute barred I will find a way to pay what they have offered. Do I mention their offer when I write to them? And are they likely to withdraw the offer if time hasn’t run out?
2. I have received the below from Link Financial;
Dear Customer
We have previously contacted you about your Barclaycard account now serviced by Link Financial Outsourcing. We have been trying to contact you so we can understand your financial situation. We want to help you start paying your account with an amount that is affordable to you. If you do not contact us, we intend to review your account for possible legal action to recover the outstanding balance.
Please call us urgently on 03330 145 145 quoting reference xxx
If you do not contact us, we will pass your account to our pre-legal vetting team who will assess your account for potential legal action. If your account is selected for litigation, this may result in further costs and interest being applied to the balance.
Having looked at the last payment I made toward the original credit card it was Aug 2018 with the default registered on my Experian credit report as 11 April 2019. I plan to use the CCA request template to see if it is enforceable will requesting a CCA restart the statute barred timer? If so what is the best course of action to take?
After trawling the forums I think I have an idea of what I can do but, just want clarify a couple
of things before I before I dive in;
1. The first debt is with Cabot, I have received a letter from the offering a full and final settlement which is a 90% discount on the debt. I think it is statute barred. My plan is
to use the national debt line “time has run out letter”. If it hasn’t become statute barred I will find a way to pay what they have offered. Do I mention their offer when I write to them? And are they likely to withdraw the offer if time hasn’t run out?
2. I have received the below from Link Financial;
Dear Customer
We have previously contacted you about your Barclaycard account now serviced by Link Financial Outsourcing. We have been trying to contact you so we can understand your financial situation. We want to help you start paying your account with an amount that is affordable to you. If you do not contact us, we intend to review your account for possible legal action to recover the outstanding balance.
Please call us urgently on 03330 145 145 quoting reference xxx
If you do not contact us, we will pass your account to our pre-legal vetting team who will assess your account for potential legal action. If your account is selected for litigation, this may result in further costs and interest being applied to the balance.
Having looked at the last payment I made toward the original credit card it was Aug 2018 with the default registered on my Experian credit report as 11 April 2019. I plan to use the CCA request template to see if it is enforceable will requesting a CCA restart the statute barred timer? If so what is the best course of action to take?