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Ninja1337

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  1. Sorry but the letter is from the Norwegian bailiff/conciliation board. https://www-politiet-no.translate.goog/tjenester/namsmann-og-forliksrad/forliksradet/?_x_tr_sl=auto&_x_tr_tl=en&_x_tr_hl=en-US&_x_tr_pto=wapp Couldn't upload the image of the letter, so here is a link. Which proves where it's from. 20231127-150220 hosted at ImgBB IBB.CO Image 20231127-150220 hosted in ImgBB I've ignored cli, and the only reason for communicating with Intrum is to tell them it's statue barred. This letter you can almost call similar to a pap, it's as I said asking if I agree with the debt or not, and if I don't they will try to mediate it.
  2. You say this, but a few years ago I got a PAP from them, which I wanted to avoid . that's beside the point it was actually to challenge them on the statue barred dates, which was insight full information. I wouldn't have known the 20.11 otherwise. However as explained I ignored them afterwards and they seemingly sent it back to the Norwegian intrum division. But, I got an email from them today (Intrum) that they sent it to the Conciliation Board before the limitation date, so they claim its no longer statue barred because of this and refers to a Norwegian law. I also received a few days ago in the mail from the bailiff (in norway) to respond to them if I object or agree with their claim within the end of Jan 24, they can't really do anything with it, but that would definitely activate another 10 years. This letter is dated 16.11 so that would be within the timeline, however it says that the letter will be considered served for me on the 05.01.24 I do wonder if I can still claim statue barred..
  3. Just an update.. First off, the goons at creditlimitsinternational sent a threating letter that they would "potentially" start court proceedings within 14 days days if I didnt respond to them within 4 days or something silly. It was ignored. 1,5 month later, I get a letter from intrum in Norway, written in Norwegian. Telling me to pay up, or there might be further consequences. As this was now ticking close to the date of it's limitation, I didn't do anything. Then, after the limitation date passed I sent an email to their contact address saying I dont recognise the debt and in addition it would in any case be statue barred now, they just replied saying "The file is not statue barred. There is a debenture and distraints that interrupts the limitation date" and provided a letter for 2008, but I know they have a letter for 2013 anyway, which is why the 10 years would be up now. I replied to them saying that is not correct, and copied in the comments from THEM when creditlimitsinterntional was investigating saying the date would have been x.11.23, lets see what they say.. I dont think they have done anything to interrupt the limitation date in Norway, i'm certain it's legally statue barred now. They said any further complaints needs to be done to their Conciliation Board and have just given me a phone number..
  4. But at the time I took out the debt, I would have lived in another country with a completely different address. What I am saying is, how would that be enough proof if they pulled one from my credit file, when I have not in any form used that address for a creditor. Should they not be required to check that it's actually the current one? I have informed them, but it was just some general thoughts.
  5. Fair point, but I guess you could have a reasonable good argument to have it set aside if they have not sent it to the correct address. But it's probably not worth that hassel. And as I understood it, you don't admit to any debts in these letters, but just inform them about your current correct address.
  6. But those backdoor CCJs must be UK debts most likely yes? if they had no confirmation of address, how could the CCJ an address without confirmation that the debetor still lives there?
  7. No, just a thought, if they never had an address in the first place, is there any danger of not informing them of a new address? They need to be sure right and if you never informed them (either when you signed the contract in the first place, which would have been in another country, or informed them) they can't just use any address? For my case, In norway, you update your address at this joint "people registry" anyway (which you should do if you need to renew your passport etc), so it's in there if they look. But I just think it's and interesting thought. I get it if you had signed a contract in the UK with a UK address and then moved, but if you have a foreign debt, surely they need to be certain before commencing legal action?
  8. Hi! Just some general thoughts on the whole of informing creditors of your address. If you had a foreign debt, moved away from that county and never informed them of your new address. If they then tried to get say a CCJ on an address in the UK you lived at years before (but not any longer), how could that work practically? If you never informed them of an address, surely they need to prove that you live there for it to be valid in the courts? I'm just asking for hypotheticals here and general thoughts..
  9. So, I have response from the creditor (through CLI) " "The file is not statue barred. There are two distrains after the debenture, the latest is dated 20.11.2013 which gives us additional ten years on the file. Please see attached. Limitation date is therefore: 20.11.2023" Along with copies of two scanned documents, one dated in 2012 and the other dates 20.11.2013 from the bailiff (in Norwegian). So it seems they claim the statue barred will be going until 20.11.2023. What could my options be here? I still have not said I recognize this debt so they can't claim I have acknowledge it. CLI is ofcourse asking when I will pay (either through payment plan or a final sensible offer), I bet they bought it for 10% or lower. I still have not received any contract of the original product, just a debt letter. Can I ask for the orginal terms and conditions of the product in English? November is not far off..
  10. So the plot thickens, CLI has told me that they will not do any doorstep, and provided a couple of documents (debtletters would be the correct translation I would assume) that I apparently signed in 2008, so over 14 years ago! Lindorff has apparently been involved at some point too. They said they would check with the customer and see if they said it was statue barred. I would be interested to let them challenge that here in the UK anyway, which I doubt they will. Let's see what the outcome is from this and I will ask for more advice when they come back
  11. Ok I will do that, and to get CLI off my back, should I inform them that I have done so, and that will most likely stop their collection harrasment?
  12. Ok, but if the case is that they had been given a judgment through the bailiff (not necessarily courts as such in Norway) either around the time I left/while I lived there/or shortly after. I assume the clock has still ticked and such should still be SB.
  13. Not rubbish, basically the general limitation is 3 years, however if they have taken steps to claim through the courts/bailiff (in Norway anyway) they can extend up to another 10 years. What I am not sure of, is if they can get that extended again after a certain period, or as I am not living there anymore they can't really go through that system. See a translation of the law here: Tilleggsfrist - Jusinfo.no JUSINFO-NO.TRANSLATE.GOOG Hvis fordringshaver har vært uviten om fordringen eller hvem/hvor skyldneren er, vil det kunne være urimelig at kravet allerede skal være foreldet etter den
  14. Pretty sure they have my current address as it's updated in the national registry. I just want to make sure that these clowns do not come around here, I am tempted to write to them to tell them I do not recognise the debt and also in any case, it would be statue barred and hopefully that will make them think that it's not worth chasing.
  15. Hi dx, You are correct the letter (which is my current address) is saying "Notice of personal visit". "Please accept this letter as notification that we have are now (nice grammar there!) turning this matter to our doorstep collection agents as a final attempt to discuss this matter with you. Unless you contact us within 7 days, a doorstep collector will be instructed to visit you at the above address on a regular basis until contact has been stablished, and a final attempt to achieve an amicable arrangement for the repayment of the above debt has been made. Our door step collection agents carry out out visits between 8.00am and 8.30pm Monday to Friday, blah blah blah. Our doorstep collection agent is instructed to collect the full amount due or to compile a report about your financial situation to justify a repayment agreement. Our agents carry out identification and receipts will be issued for all payments. " The Creditor that CLI is mentioning is named Intrum Capital AS.
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