Hello Matty(posted 8552 days ago)The list of letters you give is interesting especially the letter dated 1/9/98 from Experto Credite saying that their rep would be calling the following week.
If their rep did call, they would have seen that you did not live at the address they had on file. In which case, your next question is, if the rep really did call, why did he not report back that you no longer lived at the address? You might want to question them on this point.
The letters that you were supposed to have received are similar to the ones I’ve had when the bank were chasing me for an unpaid loan. It was reply in 10 days, reply in 3 days (despite the letter being dated a week earlier and sent 2nd class!!!), then someone was going to call at my home (and never did); we’re going to issue proceedings etc. Then as soon as they say they’re issuing proceedings it goes quiet.
You could play the innocent and say that you’d like a copy of the High Court papers please. I’d take a bet that proceedings were never issued. But after all, Experto Credit say they’ve instructed their solicitors to do so, so surely there ought to be!! …and demand that they’re sent. They’ll have to admit then that they didn’t.
I’m inclined to side with you that the 6 year rule applies. I fail to understand how they can say that contact has been made if they sent letters to an address you didn’t live at. If “contact” is the act of sending a letter, then God help us all, they’ll be sending letters to John O’Groats and claiming contact!!
I can’t really offer you any more thoughts. I would suspect that now is the time to find yourself a good solicitor.
Best wishes