Thread: Warning Notice Received - Newbie need advice please

Thanks Josie,

Sorry for being blonde, but what is statute barred?

If you genuinely don't recognise this debt or have never had dealings with Ulster, then it's likely this is a fishing trip, maybe for someone with the same name.

You could send them this:

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

Have you ever had any dealings with Ulster Bank? It's unlikely unless you have lived in Northern Ireland, as Ulster Bank only operates there (it's HBOS in a balaclava, if you weren't already aware), If not, this may well be a phishing trip by AIC.

In my view the first action is to write to AIC telling them that you are not aware of any debt to Ulster Bank and you require them to provide you with full details before you will enter into any further correspondence. Don't give them your phone number and don't talk to them on the phone, in any circumstances. AIC are an appalling bunch; you will need to be robust with them.

A CCA is only useful if the debt relates to an unsecured loan or credit card, so finding out whether this is your debt, and what it relates to are the first priorities.

No, as far as i'm aware i've never had any dealings with Ulster Bank. Thanks for your advice. Will send the letter that Michael suggested and see what happens.

Originally Posted by ScarletPimpernel

Have you ever had any dealings with Ulster Bank? It's unlikely unless you have lived in Northern Ireland, as Ulster Bank only operates there (it's HBOS in a balaclava, if you weren't already aware), If not, this may well be a phishing trip by AIC.

HBOS? No way. It's a wholly-owned division of the Royal Bank of Scotland.

Ulster Bank - Welcome to Ulster Bank in Northern Ireland

Originally Posted by buzby

HBOS? No way. It's a wholly-owned division of the Royal Bank of Scotland.

Ulster Bank - Welcome to Ulster Bank in Northern Ireland

Thanks for the correction - I pass enough of their branches every day, you'd think I'd know by now