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joesoap

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  1. Yet another letter to ignore then. I'm getting on a bit no, 72 so forgetting most of what I've learnt over the years. Why does the RBS persist on passing over to DCA's?
  2. Well, now Wescott has given up the ghost and RBS has now passed it onto ZINC. This is a new one to me, are they any different to the rest?
  3. Thanks for that Andy but should I be worried?
  4. Latest correspondence from Wescot, are they getting serious and is it time to remind them that the debt is statute barred? WessieOne.pdf
  5. True to form I guess, RBS Retail have now engaged Wescot as Moorcroft was dropped. As far as I can make out, they have not purchased the debt, stating that they're a "specialist debt collection agency", their words, not mine. They're obviously looking for a repayment plan but as the debt is statute barred, it isn't happening anytime soon. I'm just wondering whether or not to send the Statute Barred letter to get rid of them or just let it ride for now. Any advice gratefully accepted.
  6. I have an outstanding loan that Moorcroft is trying to collect but according to my records it is statute barred and I am in the process of telling them that . I also have a statute barred overdraft that Moorcroft is trying to collect. I have received a letter from Moorcroft today advising me that my outstanding loan has increased by X amount . It transpires that the RBS, or Moorcroft have added the outstanding overdraft amount to the outstanding loan amount. Ignoring the fact that these are statute barred, is the the creditor/collector allowed to do that, surely they must be treated as two separate accounts as they were originally notified as separate account numbers!
  7. Thank you for that, I wasn't really sure.
  8. I'm guessing that this question has been asked many times but I'm unable to find an answer: can overdrafts be statute barred?
  9. Took no action as suggested and true to form, another letter from RW stating the debt is not statute barred; guess I'll let this one ride too.
  10. Mrs Soap had an old debt with Barclaycard and due to her illness it wasn't paid off. She has been pestered by Robinson Way off and on but again, because of illness letters were ignored. I managed to dig out the paper work and according to my records, nothing had been paid for over six years. I wrote to Robinson Way on 4th April and quoted the relevant regulations. She has received a reply from Robinson Way and it states, "We can confirm that your account is not statute barred as the last payment received on this account was for £5 on the 22nd of February 2013". According to my maths this time lapse is over 6 years before I write back to RW I'm wondering if I'm missing something or is RW trying it on; any comments will be greatly appreciated. Joe Soap
  11. Cheers. No specific period was mentioned, just "your bankruptcy".
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