Hi,

I have just received a letter from Clarity Credit Management Solutions re: a very old loan I had with Egg dating back to 2001. I did not fully repay the loan, but I have NEVER been contacted by Egg with regard to the arrears. They have had my email address and my credit history has been updated with my addresses over this period of time.

Does anyone know if there are any time limits for how long a company can pursue an old debt (for example, if Egg has placed a CCJ on my credit history in 2001 it would have fallen off by now), and if they have a duty to show that they made reasonable efforts to contact you about the account before enlisting the services of the bully boys.

I wonder why I've been contacted now about it?? Strikes me as being a little odd??

Any help or enlightenment on this one greatly appreciated!

I am no longer welcome on CAG

Limitation Act 1980

6 years since you last acknowledged debt in writing or made a payment to the account. However this does not apply if there was a CCJ on the account, as this is enforceable for ever.

Thanks both for your responses. I will definitely not be acknowledging this debt in any way and will be sending off the standard letter to Clarity asap.

Thanks again.

Does this apply to all debts? I had a Barclaycard in the 90's, and have recently had letters referring to it having been sold to a recovery agency, despite not having banked or been contacted by Barclaycard since 1994.

One letter is quite threatening, saying 'This will not go away'. I think it's just scare tactics. I have had letters from 2 companies about the same thing. I intend to ignore them, is this right?

Cheers

If you are sure that you have not acknowledged this debt for 14 years then ignore it, there is a letter in the templates - I'll get you the link.

EDIT

Letter M here

Does this apply to all debts? I had a Barclaycard in the 90's, and have recently had letters referring to it having been sold to a recovery agency, despite not having banked or been contacted by Barclaycard since 1994.

 

One letter is quite threatening, saying 'This will not go away'. I think it's just scare tactics. I have had letters from 2 companies about the same thing. I intend to ignore them, is this right?

 

Cheers

They have recently bought a shed load of UNENFORCABLE Barclaycard debts that they are trying to fool people into thinking they have a legal obligation to pay. Truth is THERE IS NO LEGAL OBLIGATION TO PAY A STATUTE BARRED DEBT

Does this apply to all debts? I had a Barclaycard in the 90's, and have recently had letters referring to it having been sold to a recovery agency, despite not having banked or been contacted by Barclaycard since 1994.

 

One letter is quite threatening, saying 'This will not go away'. I think it's just scare tactics. I have had letters from 2 companies about the same thing. I intend to ignore them, is this right?

 

Cheers

Assuming you paid nothing for at least years, the above letter will suffice. You will probably then get a letter referring to a "moral" obligation.

Yes , it is Lowells, aka Red Debt.

I was wondering if it was safe to just ignore it.

Cheers, midori

Not worth wasting a stamp on this one.

Yes , it is Lowells, aka Red Debt.

 

I was wondering if it was safe to just ignore it.

 

Cheers, midori

The debt is Statute Barred and they can take NO legal action for recovery. If they send you any more demanding letters report them to TS.

Thanks, all.

Cheers, Midori

Hi there, just thought it would be worth adding that I followed the advice given in this thread at the time of my original post, and managed to beat Clarity into submission. It took 3 letters (they just continued to send their standard letters out to me, even heading up the letters that they were 'disappointed I had not contacted them'), which I sent recorded delivery, using the same language that they use (lots of capitals, bold text and threats of police intervention if they sent a 'representative' to call at my house). Eventually I received a letter from their customer services director apologising for their failings and promising that I would never hear from them again. They said they had returned the debt to the originator, but so far I have not heard anything from them either.

The help available in this forum is amazing. Its helped me with the above, and it also helped me to claim over £3k of charges back from my bank.

Thanks a million.

It seems to be the same with most bullying DCAs. They threaten all sorts and continue sending threatomatic letters. However like most bullies thay are easily beaten when confronted with the law. Thet are so stupid that they do not realise that if they adopted a genuine attitude with folks instead of being ignorant and nasty on the phone or sending threatening letters they may well have more success. Now people feel so intimidated by them that they immediatly type their names into GOOGLE and end up here where they discover what and what not a DCA can actually do.

Just reached the Red Debt stage today re a Barclaycard account from around 10 years ago. I'm going to try responding with the template letter and see what happens. Many thanks for all the info.

Right now, I am ignoring them, will see what happens.

I'm in the mood for a fight, so I'm secretly hoping they might try something................

Cheers, Midori

Right now, I am ignoring them, will see what happens.

 

I'm in the mood for a fight, so I'm secretly hoping they might try something................

 

Cheers, Midori

As at today's date, red have got to the stage of offering me a 50% deal--I should cocoa!

Interested to see their next move. They don't have a phone number, and I'm not going to be daft and give 'em one!

I'm fascinated by this whole subject, and seeing how far they will go with it....

Cheers, midori

They don't have a phone number, and I'm not going to be daft and give 'em one!

Give them a useful number. Not your own of course!

Give them a useful number. Not your own of course!

I find the local police headquarters a good one along with the extension number for the Fraud Squad:o

If you are sure that you have not acknowledged this debt for 14 years then ignore it, there is a letter in the templates - I'll get you the link.

 

EDIT

 

Letter M here

hi, is it possible for you to give me the link for this letter template as this has just happened to me, only i cant remember having the card it was dated 16 years ago according to barclaycard and got quite nasty with me for phoning them about it and told me to discuss it with lowell. i have not admitted anything in fact i denied having it to lowell. they asked for a copy of my signiture, what should i do?? i have changed my name by marriage twice since then. any help and advice would be great. please.

thanks wendy

Wendy just click on the word here in the post above yours

Surprise surprise folks. I received a letter from Red Debt that 'after further examination it has now become apparent' that the account is 'subject to Section (5) of the Limitation Act 1980' and they have closed the account and they wont be sending further correspondence. A duplicate letter arrived in the same mail! Just for the record, I didnt contact them at all and ignored any letters. Many thanks to everyone for the information that let me do this.

Poor Old Lowell.

Note to MIB

NEVER underestimate the power of CAG.

Nice one Gerd !!

Make sure you keep the letters in a safe place just in case