hi guys

just received a letter from Alex M Adamson. Looking for £18.50 that i owe to "1st credit finance acting for RBOS" ;pay or go to court blah blah.

I dont think i do owe that tho. I had some really bad debt issues in the past, but its all accounted for now.

Called them and tried to found out what the hell it was, and all they said was that it was from 2002, and if i wanted more info i should write in. They qoute a number that looks like a credit card number on the letter.

So i thought a CCA would be the 1st port of call. Am i right? or does the date of 2002 mean anything. There is 6 year cut period huh?

any thoughts?

Hi,

Is that £18.50.

If you have not made a payment or acknowledged this alleged debt for a period of 6 years it will be statute barred.

Regards.

Scott.

yeah. its £18.50!! how do i find out if it is statued barred? ive no idea what the debt is, and if i have ever made any payments to it.

Hi,

Send Alex M Adamson this............................

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

thanks for your help. registered post i assume?

I would think so

thanks for your very quick help. ill post the letter then post here when (if?) they write back.

That's really scraping the barrel even for 1st crud!

Anyone would think we're in a recession

................or it was sent on April 1st:D

I wouldn't be spending £4 on a registered letter to reply to these plebs, £18.50 why why after 8 years absolute stupidity and desperation, Ignore them.

what he said. /\/\/\

is ignoring this the best bet? i have recieved a further letter saying they may take me to court.....

have you sent the statute barred letter

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

Dear Sir/Madam

Acc/Ref No 4563210025897412

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

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to CPUTR2008

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

We look forward to your reply.

Yours faithfully

Well I guess if it is causing you any concern, then it would be worth sending the letter as above.

Personally I would add a coment stating that you have had to spend xxx on a recorded delivery reply, they have spent xxx on postages/letters/salaries etc. is it their opinion that they are behaving responsibly, as, in future you will be invoicing them for your time in investigating and reply to their claims, which if they proceed as threatened to Court, will be used as a counterclaim to their claim.

Sometimes to me, anyway it is worth baiting them back;)

ooops meant the letter in post 4!

Not sent anything yet. life took over. its not a staued barred letter i was told to send anyway. its the one about not acknowledging the debt. Should i send it? or just ignore them. which advise is best?

send the stat barred letter

that will end it

send recorded

thanks for your reply. but the only problem with that idea, is that i dont know if it is stat barred. The girl sayed the debt was from 2002, but didnt mention when any payments were made or when any last contact was made. Im not even sure the debt really exists. What if i send the stat bar letter, and in actual fact i paid somthing 2 years ago? Im pretty sure id didnt but you get the idea.....

They Have To Prove Its Not

Not You

They Have To Prove How The Payment Was Made Etc

They Would Have Mentioned Payments

Send It And See What They Say

for £18.50 I would say take me to court fools espcially from 2002 - but to stop them dead send the stat barred by recorded, and add an invoce for £18.50 for admin costs:D