I’d a loans that are multiple moneyshop last year. My payment that is last was together with them chasing for re payment onwards. In 2013 there records show some payments were made by me using a commercial collection agency company equidebt so that they took the account in the past my re payments ceased once more end of 2012. They used a standard (exact date uknown we have expected because of this information yet to gotten to but thet verify has arrived off credit report as passed away 6 years since used this). In 2016 i advised on phone I became liaising with action modification and will also be in contact which i didnt. 2017 telephone call made by me personally to the business planning to raise a problem under affordability remit they refused. No contact fashioned with me personally by the ongoing business after this between 2017 and 2019 financial obligation and default taken off my credit history as time passed. Then april 2020 passed debt to CRS appropriate threatning me with legal action. i’ve attempted to challenge this over e-mail, june 20 perhaps not acknowledging financial obligation but acknowledging previous loans asking for affordability claim to be looked at once more and asking for details of said debt they state i owe. They’ve refused my claim. Is it financial obligation statute banned? Ive worked very difficult to meet all my olds debts, with defaults. im worried about them using a ccj whenever its recently been on my file and whenever dropped off they truly are wanting to use once again?
2017 telephone call made by me to the organization planning to raise a problem under affordability remit they refused.