I live in Indiana.
I have an expired Credit Card debt from the UK. I defaulted four years ago, and was never in a position to resume payments. I wrote to the CEO of the bank two years back, and they decided not to pursue me anymore. I had a letter to that effect. They apoligised for any undue stress they had caused me.
About two weeks back I received a letter from a collection agency out of Illinois - CCB Credit Services. I had received no notification from the bank about this change of policy. I have written back to the bank for confirmation - and re-confirming my financial position.
In two years this reaches the statute of limitations - under UK law. The creditor - according to CCB - is now a company called Link Financial. Until the other week, I had never heard of either of these companies. I have a friend in England who has never heard of Link, either.
I have written to Ladynred about this case - she knows about this from several years ago. However, as she deals with so many cases, she might need a refresher.
Right...this is an out-of-state collection agency that I have never heard of in my life. I have had no letter from my bank about this. I have taken the step of writing to my bank's solicitors, and to the new ceo - as the original ceo retired last year. I await those replies.
After that, I intend writing to Link and CCB. I have phoned CCB about a week back. Mainly because my wife was a nervous wreck about a matter she presumed was resolved two years ago. Can anyone give me any feedback about this, and how I should proceed.
The figure is about $10.5K - although they have said they would settle for 9K.
Any feedback is greatly appreciated,
Steve
I have an expired Credit Card debt from the UK. I defaulted four years ago, and was never in a position to resume payments. I wrote to the CEO of the bank two years back, and they decided not to pursue me anymore. I had a letter to that effect. They apoligised for any undue stress they had caused me.
About two weeks back I received a letter from a collection agency out of Illinois - CCB Credit Services. I had received no notification from the bank about this change of policy. I have written back to the bank for confirmation - and re-confirming my financial position.
In two years this reaches the statute of limitations - under UK law. The creditor - according to CCB - is now a company called Link Financial. Until the other week, I had never heard of either of these companies. I have a friend in England who has never heard of Link, either.
I have written to Ladynred about this case - she knows about this from several years ago. However, as she deals with so many cases, she might need a refresher.
Right...this is an out-of-state collection agency that I have never heard of in my life. I have had no letter from my bank about this. I have taken the step of writing to my bank's solicitors, and to the new ceo - as the original ceo retired last year. I await those replies.
After that, I intend writing to Link and CCB. I have phoned CCB about a week back. Mainly because my wife was a nervous wreck about a matter she presumed was resolved two years ago. Can anyone give me any feedback about this, and how I should proceed.
The figure is about $10.5K - although they have said they would settle for 9K.
Any feedback is greatly appreciated,
Steve
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