I had a CC wit LTSB for quite a few years and when I was unemployed and couldn't maintain payments they obtained a CCJ against me. This was in 2004, and after 6 years it dropped off my CRA. I made a complaint about mis-sold PPI in 2011 and last month FOS upheld my complaint. LTSB paid up even though there was a large balance outstanding on the account. I received a letter from LTSB last week advising that as I had not come to an acceptable agreement on repaying the outstanding amount they would pass the account to Moorcroft for collection. I duly received a letter from Moorcroft demanding full payment and advising that LTSB had put a marker on my CRA file.I was under the impression that once a debt has been on a CRA for 6 years it could not be added again. The CCJ is still in force.
LTSB and Moorcroft
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