I have no statements from collecion agencies. First is Providian. charged off 2003. They sold accout to KnightsBridge (Ohio), settled with them in 2009, they are out of business. All I have is my banking history.
Now Midland Financial is demanding money. I have sent a VOD letter, not heard anything back. Next one, 2002 charged off with Capitol One. Sold account to Mitchel N. Kay attorney office settled with them. I have my banking history. That office has no record back that far, (2005). Now Accept is calling me.
My question is regarding time-barrred debt. Does the clock start with the last payment with the original debt, or with the collection agencies, which I settled on both.
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