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cerberusalert last won the day on January 16 2013

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  1. As it is an over draft anv over six years ol it will be statute Barred and unenforceable unless you have made a payment in the last six years.
  2. See also; http://www.consumeractiongroup.co.uk/forum/showthread.php?282263-UK-Debt-Living-in-US
  3. They are in serious breach of the ACCC guidelines & you should make a complaint to them http://www.consumeractiongroup.co.uk/forum/showthread.php?307717-Fair-Debt-Collection-Practices-In-Australia
  4. As the debt is owned by the SLC they cannot do anything without their written permission & certainly can't take any legal action. Your agreement is with the SLC so even if Rossendales had added any charges etc they would be unenforceable. As I said make a complaint to the ACCC because it doesn't matter what 'hat' they are wearing they are debt collecting so have to abide by Oz law & even more so as you have disputed the debt. The onus is on them to prove that there are any monies owed & until such time they must cease all debt collection activities.
  5. See; http://www.consumeractiongroup.co.uk/forum/showthread.php?307717-Fair-Debt-Collection-Practices-In-Australia If the Oz debt collector carries on playing silly beggars make a complaint to the ACCC.
  6. Whoever buys the debt also inherits your present repayment agreement so be careful they don't try to up it.
  7. The original creditor is probably in the process of selling the debt on to a third party. Scotcall would've only been acting as their agents.
  8. Ferguson v British Gas? http://www.out-law.com/page-9826 http://www.bailii.org/ew/cases/EWCA/Civ/2009/46.html
  9. Have you had anything from Robinson Way in the past, because they are part of Hoist.
  10. Unless you have assets or other means to pay it would be pointless for any creditor to apply for bankruptcy, it would cost them £1K+ which would be money thrown away.
  11. Before they could apply for a bankruptcy petition they would need to send you a Statutory Demand & even then it would need to be the owner of the debt & more than £750 would need to be owed. It would be pretty pointless making a county court claim because bankruptcy would include the debt. personally I would ignore unless you receive a SD.
  12. Yes, you are not a resident here. Unless you actually receive court papers ignore their threats. If you do receive papers you have the option to dispute jurisdiction on the forms.
  13. He'll probably be working for a company such as Scotcall on a commission basis. Usually such companies send a letter to you 'inviting' themselves (read as threatening to send a doorstep collector). As said above, they have no more rights to call than a Pikey selling pegs & you are quite within your rights to send them away with a flea in their ear. You could print off the following & hand it to him if he calls again. http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members.
  14. See; http://www.consumeractiongroup.co.uk/forum/showthread.php?282263-UK-Debt-Living-in-US
  15. As far as I'm aware the Statute of Limitations is five years in France, so if you haven't acknowledged the debt or made a payment in that period it would be SB.
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