debt collection agencies

[essdee]

Hello! I am new to all this and only stumbled across the website when trying to find out about Legal and Trade. I took out a student account with Lloyds TSB in 2000 and owe 1677.35 of my overdraft. I have been paying Activ Kapital £50 a month but his morning received a letter saying that Legal and Trade now own the debt. Why is this and what does it mean? They say they are arranging a house visit but I don't want them to come to the house!!

[Rooster-UK]

Hi Essdee.

For the best help and information please start your own thread in the Debt and Bailiffs Forum. There are users on that forum with a LOT of experience of this situation.

Please click on this link for the DEBT AND BAILIFFS FORUM...

You will soon get the help that you need, there.

Good luck with your problem.

Regards, Rooster.

[bigbadbob1]

hello everyone!
obviously most people on or have heard of this site had encountered some problems i'm no exception will post mine later today but for now
thank you all for being there and look forwars to posting later,

[freakyleaky]

Hi and welcome to the site BBB.
Just shout if you need any help navigating the site.

[MARTIN3030]

Have moved your thread here.
I think we need a little more information here but from what you say it looks like there are breaches both in OFT guidelines on debt collection and maybe the Consumer credit act too.

[paula5650]

Hi everyone can some one give me some advice i recieved a final demand a few weeks ago from buchananclark+wells saying i had a outstanding debt of 917 pounds to a scotcall limited that i have never heard of , and i know i dont have any debt. So i wrote to them saying that i would like evidence that i owe this money and who scotcall is. But i recieved another letter this morning saying they are taking me to court,this is worrying me sick i dont know what else to do, can anyone advise me please

[chrissue]

Hi to all,
Just found this website when searching for help about a supposed debt, hopefully someone can help me to get this sorted peacefully, my wife has just recieved a letter through the post to her old name saying "important information contact us immediately and quote ref no ***** upon not knowing what it was about she phoned the number and was asked if her name was ***** she said it was then they asked did she used to live at ******* my wife said who are they and what was this about to be given the reply if you answer the question they would tell her she then hung up. My wife is not sure what this is about maybe a storecard or something she honestly cannot remember. She moved from the house approx 9-10 years ago . upon checking the letter head on the internet it is a debt recovery agent any advice from anyone ? are we now to expect bailliffs? I have been married to my wife for 7 years and know nothing of this supposed debt so there would be trouble if bailliffs try and take some of my things believe me ,is this still enforcable etc.what are my rights in protecting my property, thanking you in anticipation

[PGH7447]

Hi Chrissue and Paula5650

Welcome to the CAg, to ensure you both get the help you need its best to start your own threads in the relevant forum, for of you it would be the Debt collection forum on this link

http://www.consumeractiongroup.co.uk...-forums-center

[PGH7447]

Originally Posted by paula5650

Hi everyone can some one give me some advice i recieved a final demand a few weeks ago from buchananclark+wells saying i had a outstanding debt of 917 pounds to a scotcall limited that i have never heard of , and i know i dont have any debt. So i wrote to them saying that i would like evidence that i owe this money and who scotcall is. But i recieved another letter this morning saying they are taking me to court,this is worrying me sick i dont know what else to do, can anyone advise me please

Paula a quick heads up on this try sending this letter amended to suit

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.

Yours faithfully

Edit to suit and don't forget, print your name, don't sign it


If they say you are being taken to court what letter did they send, can you post it in a new thread so people can judge it for themselves.

[PGH7447]

Originally Posted by chrissue

Hi to all,
Just found this website when searching for help about a supposed debt, hopefully someone can help me to get this sorted peacefully, my wife has just recieved a letter through the post to her old name saying "important information contact us immediately and quote ref no ***** upon not knowing what it was about she phoned the number and was asked if her name was ***** she said it was then they asked did she used to live at ******* my wife said who are they and what was this about to be given the reply if you answer the question they would tell her she then hung up. My wife is not sure what this is about maybe a storecard or something she honestly cannot remember. She moved from the house approx 9-10 years ago . upon checking the letter head on the internet it is a debt recovery agent any advice from anyone ? are we now to expect bailliffs? I have been married to my wife for 7 years and know nothing of this supposed debt so there would be trouble if bailliffs try and take some of my things believe me ,is this still enforcable etc.what are my rights in protecting my property, thanking you in anticipation

If the debt is from 9-10 years ago and unless it was a mortgage then it is more than probably statute barred, so this was probably just a phising trip, some DCA's send out these cards in the hope someone will reply and capitulate, just ignore them, if they get in touch by phone tell them in writing only, never answer the security details