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Discussion in 'Credit Talk' started by kevinw01, May 17, 2001.
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If the account is truly from the 80's there is nothing CAP 1 can do to collect this debt. Throw the offer away.
This sounds like a scam to get you to pay on a debt that is past the Statute of Limitations for collecting. If you gould give us more information on what happened to the MBNA account (charge-off, sold, etc.) we may be able to help you more.
Given that very little information was given, my gut instinct is to not do it. BUT, I need more information to help you.
I try to work out making payments with MBNA but they won't work with me cause of a layoff in the past so they charge it off and sold the account to Capital One I guess but is not that I don't want to pay them back but the treatment I got was unacceptable....
That definately sounds like a scam. Don't do it. The Statute of limitations has definately run out, unless you live in Ohio, where I believe the SOL is 15 years. (Correct me if I'm wrong) So, basically what I'm saying is, if you WANT to make things right, go for it, but the debt is legally uncollectable.
I started a thread last month about "The Credit Store" doing this sort of thing about an old Citibank card. When I sent them a validation letter they just folded their tent and went home.
Thank You for your help I know that is out of statue but I don't want to loose my 2 accounts with them now cause I am not going to pay the MBNA account off they actually need me to fill out another short application form before they will even approve the account and transfer the balance over....
I live in Ohio and the SOL is NOT 15 years, but 7 like everywhere else. Oh my god, I would die if it was that!
I meant that the Statute of Limitations for collecting a debt is 15 years, but the standard limit of reporting the debt on your credit file is still 7 years, like every other state. Sorry for any confusion, and I still may be wrong.
what part of