Howdy folks,
Recently got a letter from Marlin about a credit card debt from Vanquis they say I owe them for £1500 They are threatening to take me to court to seek a CCJ unless I reply in 7 days.
My credit report shows that the account was opened with Vanquis in August 2006 and the Default date was March 2010.
Now I think I need to send the CCA letter, but do I need to adjust it as the account was opened pre 2007?
Also I don't know when this will become SB, my understanding is it's 6 years from when I missed missed my first payment but not sure when that was, is there an easy way of finding out?
I'm currently trying to sort out my credit file, I can't afford to pay the debt but don't really want a CCJ on my credit file, especially when the default will drop off in a year and it will be SB in a year.
Recently got a letter from Marlin about a credit card debt from Vanquis they say I owe them for £1500 They are threatening to take me to court to seek a CCJ unless I reply in 7 days.
My credit report shows that the account was opened with Vanquis in August 2006 and the Default date was March 2010.
Now I think I need to send the CCA letter, but do I need to adjust it as the account was opened pre 2007?
Also I don't know when this will become SB, my understanding is it's 6 years from when I missed missed my first payment but not sure when that was, is there an easy way of finding out?
I'm currently trying to sort out my credit file, I can't afford to pay the debt but don't really want a CCJ on my credit file, especially when the default will drop off in a year and it will be SB in a year.
Marlin / Cabot
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