How do I handle first contact from dca

[WorriedMan100]

Hello i am looking for some advice as i have received a letter from a dca asking me if i am the same person who lived at a previous address as they have a personal matter to discuss. I had a breakdown in 2008 and moved. I couldnt deal with anything at the time and moved to another country. I returned a few years later and resumed as best as possible a normal life, steady job bank account etc. There were debts i left to banks and credit card companies probably in the region of 25k in total. I dont know if back then who got what jugdements. I am nervous about what to do first so i get as favourable outcome as possible. I am aware through reading a few threads about statute barred etc and ccj's can be re enforced especially if the debtor basicallly dissappeared giving the creditor no avenue to collect.

Thank you

[R0b]

Re: How do I handle first contact from dca

Hello, I've tagged [MENTION=55034]nemesis45[/MENTION] for help but have you checked your credit report to see what your current situation is? If you left in 2008 and haven't returned since it's likely that debts could be statute barred or CCJs could have been obtained in your absence.

Whether you choose to respond or ignore, you are best off working out your current position in terms of whether it is statute barred.

[nemesis45]

Re: How do I handle first contact from dca

Good morning,
These phishing letters are best ignored Until the DCA (which one is it please?) actually state what they are chasing. Do Not phone them they will want you to answer "security " questions and
try to talk you into paying on the spot.

Please give us some history of the debt to enable us to advise fully.

nem

[WorriedMan100]

Re: How do I handle first contact from dca

Hi nem, thanks for resonding.
to be honest its either a bank or credit card company, there were 4 i think but as this was a difficult time its a bit hazy. The people who moved in after i left knew i left the country so i assume they stopped the dca's by telling them this. All this was in 2008 and i have had no letters contact at all since the debts got on top of me. The company begins with L and is in quite a few threads on here

thanks again

- - - Updated - - -

Rob,

hi yes inhave checked and they are all off. However i am pretty sure ccj's would of been issued due to ammount.
i dont want to make an incorrect first move and cause myself more trouble. I know it wont go away it just when i engage and how