Have you received threatening demands for debts older than 6 years?

[forgottenone]

OK.

[standarren]

hi guys i'm new today so please be gentle with me
i had a barclay card around 10 years ago i was young and foolish and spent all the time i suffered depresion for around a year and the only thing i had was my barclay card it soon maxed out any way over the years i've payed active capital £20 a month suddenly 1 day i recieved a letter not from active capital but from another company wanting me to settle all the debt active capital never even contacted me i never missed a payment i must admit i ignored it for a while any way i still keep getting letters from scotcall saying doorstop collection not sure what to do or where i stand

hope you guys can shed some light thanks in advance

[ihatelowell]

hi
could someone help me out with this last year i started reciving threatening letters from lowell financial regarding an alledged ammount owed on a capital one dept which showed a default date of december 2001 i had no contact with anyone in all that time never ackowledged a dept or made payments on one it was as far as i and trading standards a statute barred dept after numerous daft thrats phone calls etc i decided this year to cca lowell which they defaulted on , to my surprise i was contacted by RED which i know is part of the lowell group , i told them i was awaiting their "lowell" reply to my cca and they had no right to pursue me as this was in dispute with the organgrinder for two months i heard nothing , until that is mckenzie hall stuck their whiskers for out of the sewer in which they live . telling me they,ve been instructed by their client or pursuers LOWELL PORTFOLLIO 1 LTD , original creditor CAP ONE, for 520 pounds of my hard earned
my question if anyone can help is this
Should all documents pertaining to this dept have been passed to mac hall ? and if so am i in a position to request these from them ? i know they cannot provide them as lowell told me they had no such documents i.e original credit aggrement etc.
WHAT I WANT IS SOMETHING THAT THEY WILL DEFAULT ON
and therefore cost them money ?
not really bothered about their crap threats BUT A LESSON NEEDS TEACHING HERE !!
ALL SUGGESTIONS WELCOME POWER TO THE LITTLE MAN HUH

[The GodMother]

Well welcome to CAG your in safe hands now.

Well i have 2 pieces of good news for u
1 yes the debt is defently SB (Statue Barred).
2 Now Muck Hall have the debt u are basically home dry as they specialise in collection SB debts.

Now regarding the CCA.

Dear Morons.
REF MXXXXXXXXx

I DO NOT ACKNOLEDGE ANY DEBT TO YOU OR ANY COMPANY YOU CLAIM TO REPRESENT.
I writing regarding your letter dated XXXXXX. Contents of which have been noted.

My records show that despite send lowells a consumer credit agreement request on XXXXXX which they recieved and have signed for on XXXXX they are yet to reply to the request.

As you will be aware under the consumer credit act of 1974 lowells had 12 working days to send me this agreement thena further 30 days before they entered into a deafult situation that means they are not allowed to enforce that alledged agreement.

Now under the consumer credit act of 1974 lowells have committed an offence which means that i can now report them and you to Trading Standards and the OFT.

I require you to confirm to me in writing within 7 days of you recieving this letter that u have closed the case and handed it back to lowells.

Your sincerley.

TYPE YOUR NAME HERE.
CC.
Your local TS
Muck Halls TS.
Leeds TS
OFT


Chuck that at them. They will possibly ignore it but they are fully aware of your intentions to report them to TS and OFT.

Then report them. This link should help u. Trading Standards Central - Trading Standards and Consumer Protection information for the UK

[Hman74]

thank you for the letter template Godmother.

I've received threats and harrassment from 1st Credit, Connaught, Mackenzie Hall and now Meritforce for the last 3 years, despite sending the original CCA request back in 2005! They acknowledged receipt of the request but have subesequently never provided any information. Instead, they send letters every few months threatening "legal" action, doorstep collections etc.

anything more I can do? perhaps phone them and get angry?!?

[th3yb3]

I have received a 3rd letter from these thames credit idiots.

they are still talking about solicitors and field people.
They have also added a search in my credit file.

they are also offering me a 35% discount.
Do they have right to pass this to a solicitor?

the debt is over 9 years old.

[The GodMother]

well they have no right in chasing for it so they have no rite in sending a doorstop collector or threating legal action.

If court papers come then let us know as there is a brill defence.

Just a question how long since u made payment?

[th3yb3]

Originally Posted by The GodMother

well they have no right in chasing for it so they have no rite in sending a doorstop collector or threating legal action.

If court papers come then let us know as there is a brill defence.

Just a question how long since u made payment?

Before 2000 - about 1999

[The GodMother]

so it defo SB then.

[martin2006]

Does this 6 year rule apply to the csa? I had what i thought was a zero balance with them from 1998. 7 years later they started sending letters demanding £650. Its now moved on to various dca's who i keep telling i dont owe them any money. CSA sent me a statement showing a debit balance of said £650 but so long ago now how can i check if i owe it or not?

[fluffgirl]

Hi.
I am new to this site, my first post. I am some what confused. Here goes. A few months ago a company called Allied International Credit demanded £555 from something I bought 2 yrs ago which never worked, I took finance out with a company, so I didn't pay for the goods as it never worked and when I tried to send it back, there was no address. Anyway, thats besides the point. AIC kept calling, sending postcards to my address demand I call them, felt harrassed. Finally I spoke to them, explained eveything and they threatened me with CCJ, court etc....so foolishly I paid them! Not heard anything since, this was 2 weeks ago. They said they would send me a receipt, but nothing and yes they have taken payment out of my bank. I wish I never paid them now after reading comments on this web site. But I guess nothing I can do now eh?

Ok, another situation:
I am with a debt management company, I pay them and they filter out money to creditors, some dating back in excess of 9 yrs! I am concerned as I am sure some/most can be written off?
Also I had a random letter from a Brian/Carter solicitors, demanding I pay £1300 for a debt dating back to 1999. However this credit is in with my debt management people. Anyway I got very scared and rang Brian and Carter and they needed £77 off me to stop baliffs, so I paid this! Also wanting a direct debit set up of £50 a month to pay them, again I agreed this. I then spoke to DFS who this debt was with and they wiped it off, so I wonder why I still have to pay this, also I spoke to the debt management people who told me to cancel the direct debit, which I have and forward the letter onto the, which I have. They said I should not worry about this and Brian and Carter are just trying to scare me and that they do this all the time. It was horrendeous talking to these people over the phone and AIC! Can anyone offer me some advice or re-assurance, I'm a bit confused. I am just worried that now I have canceled the DD, they will keep enforcing I pay £77 to keep the Baliffs away!

I would appreciate any help with these matters above.
Many thanks.

[The GodMother]

fluffgirl. If u start ur own thread then u will get the help u need.

Link it o this thread and we can then help u.

[mrsctobe]

Hello all, this is the first time I have been on this site and am finding it very helpful. I wonder if anybody could clarify somthing for me pls.
This morning I received a letter from a company called Wescot credit serv ices acting on behalf of Phoenix recoveries ltd. They informed me that I had an outstanding debt of £98.00 and if I did'nt reply within 14 days that legal action would be taken against me.
I phoned the company as the letter did not state what the debt was for, upon them answering I stated that I hoped the call was being recorded because I was in no way agreeing with the debt by contacting them.
I ask them who the debt was owing to and they told me littlewoods and when I asked when the debt was from they said 5th of August 2002.
To the best of my knowledge I did have a littlewoods account back in 2000 and have made no payments since them or had any contact with them.
Im a little confused by the statute barred laws and just wondered if sombody would now if this aplies to my case.
After getting the imformation from Wescot I simply said I would be in touch and put the phone down.
Can anybody help pls, I knoe this is not a large amount of money but having had bad debt problems in the past which were only resolved with bankrupcy I really dont wish to start fighting these people again!

[The GodMother]

Your case is SB unless they can PROVE otherwise.

U can either send them the prove it letter or the SB letter.

[mrsctobe]

Originally Posted by The GodMother

Your case is SB unless they can PROVE otherwise.

U can either send them the prove it letter or the SB letter.

Thanks for the reply GodMother and for confiming what I thought. I will send them the SB letter and see what happens.
Wish Id found this site early last year when I found myself in trouble, good to know theres help and advice out there, makes you fell less alone and realise its not just happening to you!