Personally I wouldn’t argue it. You know you’re in the wrong and they do too.
In my opinion, it is best that you swallow your pride on this and chalk it up as a lesson learned. Don’t keep your pin number written on paper with your card.
Any other route and you risk paying a lot more in added fees and damaging your credit rating. This at its worse will stay with you for many years and then will have a knock on effect for all sorts of things in your life. One of those being that you will get worse interest rates which will then cost you even more.
…and in the meantime struggle with getting any credit ever again. It’s seriously not worth it. Set up an arrangement with them to repay it, and keep to it.
Sorry, not intending to be mean. But this is a valuable (and expensive) lesson.
I have a friend who keeps a piece of paper in his wallet with three random PINs written on it. The idea being that if someone gets hold of his wallet, they will attempt the PINs and his card(s) will get swallowed by the machine.
So it gets passed to a debt collector that could try collecting it for years all that time its on your credit record, 5 years and 10 months later you get a court judgement, so those 6 years turns into 12.
People always forget that part when they mention 6 years.
You need to get your facts right, you don’t need to acknowledge a debt for it to go to court, so my point is very valid. And lets not bother getting into an argument about this, as this is about Starling. Not about who’s right and wrong. I’ve dealt with numerous cases over the years with people trying statued barred and it not sticking. With a bank they keep records, they can prove the debt is yours, so no court will chuck it out, which means a county court judgment is simple for a debt collector, and there are many thousands of cases a year that prove its simple.
When a debt has been outstanding for some time, with no payments being made or communication from the debtor, the debt can become what is known as ‘statute barred.’ When debts are statute barred it means they’re no longer enforceable, and the debtor is not required by law to pay the amount outstanding.
The Limitation Act, 1980, places a time limit of six years on many outstanding unsecured debts, and 12 years on some mortgage arrears. In England, Wales and Northern Ireland, the debt remains in existence but a creditor is unable to initiate court proceedings to recover it. In Scotland, a debt that is statute barred is ‘extinguished,’ which means that it no longer exists in law.
I had an issue with Lloyds years ago and refused to payback an overdraft. They didn’t do a thing, they sold the debt to a debt collector who sold it on and they sold it on. 2 years later nothing not a word.
Was it on my file, yes. Did it go after 6 years yes.
Did I get court letters, probably I can’t remember.
End of the day after 6yrs it was removed from my file and nothing happened and I didn’t acknowledge a thing.
