I went BR in March 2008 & was discharged in Aug 2008. One of my creds was Monument CC.
In March last yr the BR dropped off my CRA files & I now have a normal credit facilities Inc 0% CC & my file is now squeaky clean with loads of little green lights.
However, just before Christmas I recd a letter from Monument (I thought they no longer existed) saying I was entitled to a PPI refund & was bombarded with calls about this from a foreign call centre. I ignored all this as you can’t claim PPI after BR.
Last week I had a message on my answephone from a company called Creditlink A/C Recovery Solutions (C.A.R.S.) to ring them urgently. Again I ignored this as I thought it was a scam.
I have now recd a letter off C.A.R.S. saying they have traced me (funny as i have never moved) saying I owe their client Jefferson Capital International over £8K. I rang CARS & it turns out this is the debt for Monument. I told them about my BR & that Monument where included. CARS say they have checked the Insolvency Reg & I am not on it. I told the idiot I won’t be as my entry fell off 3 months after discharge. I told him my dets where on The London Gazette & gave him the BR number, date, court dets etc & told them to ring Insolvency Service.
They said they can’t ring them, they have never heard of The London Gazette, & even if I had been BR this debt could not have been included. They said I would have to send them copies of everything or face legal action or a collection visit. I said I was under no legal obligation to do this & that they have broken the law contacting me & that anyway the debt is over 6 years old & no longer exists. I said if they want to take me to court fine I will just present my BR paperwork to the judge & counter sue them for harassment.
However, could they put something on my credit file & **** it up again. I did tell them I regularly monitor my files & would take action against them if they did this. I was thinking of e-mailing them a link to my entry on the Gazette & should I contact the Insolvency Service about this.
Anyone else had this & who licences DCAs.
Once again i am not bothred if they take me to court as it will cost them money & i am bound to win.