Originally posted by LarimarBlue
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I can't see the history of this debt so is it possible to signpost where it is on your thread, or re-quote the history post and add an update each time you receive something?
When was the account opened and how? If it was online after 2005 then a 'tick box' signature may suffice.
A reconstituted credit agreement may pass the test if it is 'honest and accurate'.
All that really matters is what documentation Hoist produce in response to your s 77-79 CCA Request, and then analyse that.
I definitely wouldn't send any letter stating the debt is Statute barred in case it isn't. The Default date can be relevant (not just the last payment) and in my experience Barclaycard have a reputation for defaulting accounts up to two years' late.
As I've previously said unless your account is passed to Howard Cohen Solicitors there's nothing you need to do (yet). Just keep your head down.
Di
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