Old Tesco credit card.

[Mommi121212]

Card taken out 01/2013
default on 08/2014
amount £2500
Nothing on credit file

hi all.

I have had no communication or payments made to the above account since 2014

upon advice on another forum a did a sar request to see if it’s statute barred.

the sar request contained no default notice but just a letter stating a default notice had been sent. And I don’t have a record of any

there are no notice of assignments

there are statements starting from 2018 to present only.
Last statement shows that the full amount must be paid by end of this month.

I am guessing this is not statute barred?

the agreement seems fine with my signature on it.

any help would be much appreciated. Thank you

[Still Waving]

Hi

If there has been no interaction since 2014, and there is nothing on your CRF, why would you send a SAR?? Why not let sleeping dogs lie? It should be statute barred if indeed you have not paid or acknowledged the debt in any way since 2014.

You say that the SAR bundle contains statements from 2018. Were you not sent copies of these, even annually? Have you changed address since 2014? When does the bundle say that a default notice was sent?

[Timewilltell]

Has it ever shown on your credit file?

[Mommi121212]

It seems I’ve had some bad advice. I was searching online to see if it is indeed statutes barred as I really don’t know much about it. Another forum advised a Sar stating that I need to check if I have received a correct default notice. it seems I haven’t or at least there is no record of one.
I haven’t moved and I didn’t receive anything by post unless they sent it to the online account which I haven’t been on
all I got was a few debt debt collection letters which I ignored.
it was on credit file but has disappears now.

the bundle says it a default notice was sent on 08/14. But there isn’t an actual copy of it
thank you

[Colin G Quinn]

Hi,

A default notice would need to be sent in paper form. Sending one by email or via an online account is insufficient.

The creditor should have served annual statements after the agreement was terminated.

The statements you have received in the SAR will state a full balance is outstanding. That does not, however, mean the debt is not statute barred.

[Mommi121212]

Thanks Colin. I meant the statements may have been sent online. I have no idea as I didn’t log on since 2014 but it seems there is no evidence of annual statements in the SAR

there is no sign of an actual default notice. Does this matter.? It’s just a letter at a later date stating that a default notice was sent previously
I have no idea if it was terminated. There seems to be no evidence of that in the SAR

[Timewilltell]

Does it mention in the SAR if it had been sold? Who were the debt letters from?

[Mommi121212]

Hi timetotell

nope. No mention of any sale or deeds of assignments

unfortunatly I have no idea who they were from. I got them for few months and I ignored them. I haven’t had anything from debt collectors in a few years

[Timewilltell]

Personally I’d sit quietly and wait for them to come knocking if at all.
if it isn’t affecting you in any way then forget about it until it needs dealing with.

[Mommi121212]

Thanks timetotell. I get that but sometimes it’s hard not to stress and you start thinking if it needs dealing with then what can you do.
And with possibility of it being statute barred.. if I could work that out then it would be perfect

[Timewilltell]

The likelihood is it is statute barred, I think that only needs addressing as such if someone comes knocking or it’s affecting you detrimentally.
As for stressing, well that’s all in your mind, please don’t take that wrong, but reality is if no one is harassing you for it then you are creating your own stress by how you are thinking. Change your thoughts, change your life I was once told and it is hard but it is also very true.

In other words, carry on as if it isn’t there until someone else makes a big deal about it.

[Still Waving]

Agreed T-W-T, and the hope is that the SAR request hasn't woken them up.

[Mommi121212]

Thanks Stillwaving and timewill tell

’hasnt woken them up”. Well that puts a little worry in anyone

it’s not affecting me too much. It’s just that being statute barred seems like the event horizon for all debtors and I was hoping I was already there.

would have been nice to definitely know one way or another