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| The independent answer to your debt problems | login join |
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scotsman
| 26-01-2012 04:35 AM |
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Joined: 26 Jan 2012 Posts: 1 | hi, first of all, love the site - wish id found it sooner! my question is this - i am being chased for a credit card debt debt from about 5 years ago... originally it was a halifax credit card, and halifax were chasing me. then i went through some problems and was unable to pay, so i did the stupid thing and ignored it. then i stopped hearing from the halifax and started getting letters through from independant collection companies. i ignored these for a while and after a while the company would change..... first it would be iqor,, then it would be robinson way, then some other company and so on. i eventually started paying a company called blair oliver and scott. then i read somewhere (although it may not be true) that when an independant company is chasing for the debt, that usually means that the debt has been sold to them by your creditor, but because you dont have an agreement with the company, they can never take you sucsessfully to court- they dont have a bill of exchange. at this point the debt isnt yours anymore as its been sold. "hurrah" i think and stop paying, which i couldent afford anyway. now though, ive got a letter from the halifax which seems to be a credit card statement demanding a payment by th 7th of feb, which is odd since the card was cancelled when i started to get into trouble. can the halifax actually enforce the debt and if so, what can they do? (additional info: the debt is just over £5000 and and its all interest and charges if that makes any difference) |
