do dca's communicate with each other

[davy4ann]

hi (rory) and any other input much appreciated
fred international have sent a letter after almost a year of silence from other dca's (the last muck hall)....anyhoo cap 1 officially defaulted my account 26/01/04. I made the last payment june 2003. I think I may have acknowledged the alleged debt march 2004 with a dca asking for payment plan which was refused. Is fred likely to have this info?...I have not, since then communicated with any off a long line of dca's. Therefore my question is do think since i've made no payment since june 2003 this can be safely statue barred??
Also I believe bryan carter are conected with fred...is there any history of them attempting to sue in scotland?
dave

[rory32]

Is fred likely to have this info?...

Probably not.

Making an offer of payment in writing would be classed as an acknowledgement of the debt but DCA's generally are very poor with keeping paperwork. Personally I would just send them a statute barred letter.

Also I believe bryan carter are conected with fred...is there any history of them attempting to sue in scotland?

BC are very strongly connected with Fred but I have never known them to take action in Scotland. Perhaps it's because he's not qualified to act as a solicitor in Scotland so can't charge fees as a solicitor.

[davy4ann]

many thanks rory...should i just ignore for a while?? just in case..
dave

[rory32]

I don't see any harm in just ignoring it for the moment.

[davy4ann]

cheers....funny thing is they could have had 60% or around £4000 5years ago but refused point blank

[rory32]

Shooting themselves in the foot again through their own greed. No great suprise there.

[rory32]

In reply to your PM, I would send them the statute barred letter as they are unlikely to have a record of your offer of payment. The statute barred letter does not acknowledge any debt to them and just so that they are in no doubt you can always put I DO NOT ACKNOWLEDGE ANY DEBT in big bold letters at the top of the letter.

[davy4ann]

cheers rory....just was'nt sure which one is best to send first...i'm 58 now and up to a few years ago always paid my dues...business failure, reasons to long to list...maybe someday i'll tell

dave

p.s. do i seriously at this late date have anything to fear from this bunch...i've heard some scarey things about their partner in crime bryan farter...sorry carter....

[TheChancellor]

Originally Posted by davy4ann

hi (rory) and any other input much appreciated
fred international have sent a letter after almost a year of silence from other dca's (the last muck hall)....anyhoo cap 1 officially defaulted my account 26/01/04. I made the last payment june 2003. I think I may have acknowledged the alleged debt march 2004 with a dca asking for payment plan which was refused. Is fred likely to have this info?...I have not, since then communicated with any off a long line of dca's. Therefore my question is do think since i've made no payment since june 2003 this can be safely statue barred??
Also I believe bryan carter are conected with fred...is there any history of them attempting to sue in scotland?
dave

Hi Dave

What happened following the letter last year?

Did you just sit tight?

[davy4ann]

basically mackenzie hall sent 2 letters then nothing for almost a year...thought it had died a death....before that lowell tried for about 6 months......reading through other threads on this site it would appear that fred international and bryan cater are more aggresive and need to be dealt with differently and most important do not ignore due to their alegidely under-hand methods...sorry can't spell aledgily

dave

[rory32]

p.s. do i seriously at this late date have anything to fear from this bunch...i've heard some scarey things about their partner in crime bryan farter...sorry carter....

It's highly unlikely. He isn't qualified to act as a solicitor in Scotland so couldn't claim any fees as a solicitor plus would have to enter an argument based on Scots Law which you could easily defend.