Can somebody help me please. I have come home to find a letter from JB Debt Recovery stating that i owe £3xxx from Hillesden Securities (Formerly Egg). I am quite miffed at this, as 2 months ago i sent a Statue Barred letter to Ruthbridge who were chasing the debt, and i had no word from them since, until today i get this letter. The last payment on this debt was in 2002 .. 100% Fact. Ruthbridge knew this, and have passed this on. So i am mad this morning and i ring JB Debt Recovery to ask what the hell is going on. The guy says you own this money, end of story. I say when was the last payment made to this debt, or written letter by myself ?? 2002 sir. So i say well then this debt is staue barred, and they have no legal right to send throtograms through the mail saying they will make me bankrupt ect, ect. "You are speaking to a legal advisor sir, This devt is not Staute Barred" We (JB Debt Recovery) have bought this debt and therfore it is no longer statue barred and payment is needed in full today". Please advise me, Once statue barrerd, it can never become un barred, and if a company buys a debt, the clock does not reset again. He says i need to seek some legal representative as i will be humiliated in court if i say it is statue barerd. So again to clear this up, last payment to this debt was in Febuary 2002, and no payment or letter in writing by myself since then. Hope somebody can give me some advice on this matter please.

Hello, I am getting threatograms from Lowell regarding a £800 debt from Aug 2003 for CTI Financial. I know it is soon statue bared but i am confused to who CTI financial are? I have had no dealings with them before so i am presuming they have bought somebody out? I have old debts with Egg Card and Loan, Cap One and Associates, and Llloyds TSB. Are CTI involved with any of these do you know? Obviously not important, just curiosity as i shall be sending the SB letter very soon.

it most probably means that the debt has been bought by a DCA, so that's why it says settled. You most probably will get a threatogram letter soon from a DCA wanting payment.

They are trying the same thing on with me, My debt is from 2002 so is statue barred, but they say they are not accepting it as i have made a token payment less than 6 years ago. This is complete B*****t, as i have never acknowledged this debt or made a payment since 2002. I spoke to them the first time they called (I did not know better) it was just some arrogant guy saying i have this debt, and said that they are going to make me bankrupt, he asked my profession, and i said student and i have no money and no way of paying this debt, which i do not even think is mine. He said that you have had plenty of warnings and bankruptcy proceedings will commence in 7 days. So 7 days went by, nothing then i get another phonecall which went to my answerphone, which said they time is up and we are going to make you bankrupt now. I was furious and called back and got into an argument with the guy on the phone (I have posted about this in a previous thread~). I was saying that i do not acknowledge this debt, and he was saying rubbish "How's the course going?" in a sarcastic voice, i said fine not that it has anything to do with you. I even asked him when was the last payment of this aleged debt? 2002 he says :?). Well i say that if it is over 6 years ago then you have no legal right to be harrasing me on the phone for a debt that is unenforcable in court, for which he comes up with "we have recieved a Token Payment less than 6 years ago so it is enforcable and we will be comencing legal proceedings" also saying that i acknowledged the debt in the last call and they have the recordings. I did not acknowledge the debt, i just listened to what he had to say, and when asked how i was going to pay this i said that i won't as i have no money and have no memory of ever owing money to them or Egg which is the original creditor. So to cut it short, they are just ****it merchants. this is over 2 weeks ago now and i have heard nothing, despite sending a "do not acknowledge this debt" letter. I would not worry about Ruthbridge, or their threats about recording calls to acknowledge debts and message board posts, which the guy actually said that they would be using in a case against me : ).

Can somebody just advise me on one point. “Under the Limitation Act 1980, which applies to England and Wales, a debt is considered to be statute barred when no payments have been made against it or where it has not been acknowledged for six years. A statute barred debt cannot be legally recovered. Whilst the OFT accepts that the debt still exists, the OFT considers that it can be unfair to pursue the debt in the circumstances set out in our Debt Collection Guidance” When its says OFT accepts the debt exists , what does this actually mean to somebody with a statue debt? if it cannot be legally recovered, then how does it still exist ?? Just thought that bit was a bit odd and wanted to query it. Thanks

Yesterday my friend at work received a letter out of the blue from Mackenzie Hall saying that he owed £7500 for a loan taken out with TSB in 1988 and that bailiffs were being advised to visit his home in 7 days. He was quite shocked about this and asked me what i should do. 1 obvious thing people will point out is that it is Statue Barred = Correct. What makes this funny is that my friend is 19 years old, and this alleged debt of his was from 2 years BEFORE he was actually born. . He does not even have a common name like Mr Smith or something similar. So i told him not to worry, and to just call them and explain this. They told him that this was his debt, no excuses and to pay within 7 days. He told them again that he is 19 years old gave them his date of birth and asked how could he have possibly taken out a loan 2 years before he was actually born, "Time Machine"????. To cut it short, they said basically don't believe you and they are sending a bailiff round in 7 days unless payment is made and put the phone down. So what would i suggest he do? send the idiots a copy of his birth certificate ? Ignore the letters and possible phone calls? OFT? Newspapers ?

I am in the same boat regarding Setanta. I signed up 5 months ago to receive Setanta via my freeview box. The offer was free for 2 months though a 10.99 connection fee. It said i could cancel at any time as long as i gave 30 days notice and was before my payment date. So the just before 2 months were up i cancelled by sending an email to ([email protected]) which is what they say on their T's and C's. I received no reply, though it has been opened as I requested reply on opening. So i was expecting my Setanta to switch off after the 16th which is payment day. I hardly watched the channel as it is pretty poor coverage of sports. So I look at my bank account and see that i have been charged £15.99 on the 16th of the month. I should never have been charged this so i cancelled my direct debit via my online bank account. 1 day after this i have a phone call from Setanta saying why I have cancelled my direct debit. I explain to them that i sent them a cancellation request and they have ignored it and taken money out of my account. They say they do not have any cancellation request on their system, so i explain to them that i sent my request over 1 month ago and have the proof of this. The guy says there must have been a problem or something and explained that in order to cancel they do need to have my direct debit details. So i agreed to give them my debit details again, and he assured me that if the request was made 30 days before payment then no further payments would be taken. This is not what they say on their T's and C's but i just said to myself forget about the 15.99 that has been taken last month, no other payments will be taken so end of story. I also forwarded the email i had originally sent to the same address asking them to respond to my original cancellation request. No reply., though again the mail has been opened. 16th of this month comes along, and yet again £15.99 is taken from my account. So i again cancel my direct debit details online, and sure enough i get a call from Setanta asking why i have cancelled payment. I got into an argument with the docile divvy from Setanta claiming that I have cancelled my subscription. He goes on to say , as they did previous (no record of cancellation) I explain the same situation again, and he says that they require 30 days notice of cancellation for them to cancel. I explain to them again that my cancellation request was made OVER 2 months ago, and if it is right what they are saying then the 1st £15.99 was correctly taken and that should have been my last payment, and they should not have taken this months payment from me. They say that they must be processing my cancellation request and it takes a while, but for the cancelation to provide they do require my payment detail. I refused to give it to them as they have taken money out of my account when they should not have. He then says that without payment details on the account no cancellation will go through. Why is it so bloody difficult to cancel a subscription. They have been on the phone 3 times today, 3 different operatiors demanding payment details. I am not going to give them my details again. I also would like a refund of £15.99. I am not sure what to do now, as clearly they do not know what the hell they are doing themselves, only taking peoples money illegally. Who should I write to? I see somebody wrote to the MD and had no acknowledgement ??

They called again this morning at 7:30am. I picked up, heard it was the same guy. Put the phone down.

Sorted. Thank You.

quick question. A debt becomes statue barred after 6 years i take it if no payment or written acknowledgment of debt has been made in those 6 years. Do phone conversations count? just i have a debt of £650 with Topman .. passed onto DCA. now a previous DCA called over 5 years ago and i said i would pay on the phone and they sent me some giro slips, but i never paid, or signed anything. This is very close to the 6 years, maybe even past it, and the original debt is defintley over the 6 years. So does offer of the payment on phone start the 6 years from then?. Just thinking though this was made with a diffrent DCA, so the new DCA would have to have a copy of that phonecall?.

Mr Joss or Josh Hughes is obviously reading these forums as 10 minutes after i had posted, i get another phone call which went straight to the answer phone, saying that they will use "Message Board Forum Posts" on top of other evidence of the so-called debt. This is your final chance to agree to the reduced settlement figure of £1698, If not paid in full by 12th May then banckruptcy proceedings will take place.

Hi, I have done a bad thing today, despite reading the posts here, saying not to contact the DCA, i did that today. Firstly i have been getting letters from Ruthbridge Ltd saying that they are going to make me brankrupt, and also calls every single day from them saying to contact them. Today [name edited] called and left a message saying that i had 7 days to pay up, and have had many chances to pay ect, going to make you bankrupt ect. This is in relation to an Egg Loan from 2000. Hearing the message today got me mad so i called them. I spoke to [name edited] the mopst obnoxious bloke ever. I said i have got 7 days to pay £2000 or they will make me bankrupt. I said i do not acknowledge the debt. He said i am lying and that this egg loan is mine, and that "I" have confirmed this, and just ignored letters and moved house ect over the years. I said i have never had an egg loan, so i said when was this taken out, he says 2000, So i said well that is 9 years ago and you can not enforce it, he says they can and they will. I said i have not had an egg loan, for which he said bull****. I then asked well when was the last time i paid on this alleged debt, he answered 2002. I said well that is over 6 years old and is unenforcable. He claims that i have made written confirmation acknowledgng the debt since then ((This is not the case at all). He then says why did you not inform Egg on your credit file when you moved house. I said well if i have not got a debt with Egg, why would i want to contact Egg for? He then he went off on a rant and he said Mrs XXXX ? I siad sorry Mrs ??? who? He is saying well who is this Mrs ?? does she live there too? I'm like now, you said that name, i dont know who it is, and he was well we will be sending letters to everybody at this address. You have 7 days to pay up or you will be vistited by the bayliff. And then he hung up. What an absoulte [swear filter] he was. I know i did the bad thing and called and then got into a conversation because i was fuming. But what are my options? I know for a fact that since the last payment was made in 2002, i have not paid or acknowledged this debt, that is 100% Fact!, so what should i do?. sorry for the rant and wafflle but he made me mad.

Hi am just checking my credit file. I found one credit card debt from 2003 on my file. I think it was Capital One, but not sure, I have had a few. Just trying to understand though when a default drops off my file? I have had no letters from this DCA (Hillesden Securities) but on the my file i have a default in Dec 2003, then lots more defaults going upto August last year. Will this entry drop off my file in December 2009? or does it stay on until 6 years after last august (2014). I am not really sure i understand my credit file. I am not sure how it works and when my credit will start to get better. I have attached a screenshot of this entry http://img22.imageshack.us/img22/3483/qqqqqqqqqqq.png Also I had a Store Card debt from about 6 years ago, and i had DCA letters, I paid the debt off (about £400) and heard nothing since. Now i look at my file and that store card is on my file showing a balance of -£7 (I think that means in credit) and Green Payments made on time every month going back to 2005 even though i have not made any payment. Is this good for my future credit? should i query it or just leave it and eventually my score might go up.? http://img220.imageshack.us/img220/9289/wwwwwwwwf.png

I have played my answer phone messages this morning. I have one from yesterday afternoon from Ruthbridge saying if i do not pay in 48 hours then Bailiffs will be sent. Court orders have already been granted he says. Then amazingly he says this sentence. Mr XYZ you have had numerous reminders about the debt owed, and there is no way to avoid this unless the account is paid off in full in 24 hours. It is unacceptable that you have not paid, and it is people like you that have caused the recession Britain is in. :0 The debt is over 6 years old, so should be barred. Plus they should be put in jail saying things like that to people. I have the message and i am going to the police today.

Hello, I have been recieving both letters and phonecalls from a company called Ruthbridge Ltd regarding a £2978.01 debt from an Egg card from 2003. I have recieved 4 letters previous to this one, stating that if i do not pay this debt by 03/05/09 that they will serve me with a writ for banckrupcy and then send bayliffs to my door. I have had numourous anwserphone message left also regarding this. Yesterday i picked up the phone, and it was Ruthbridge, basicly saying the same as the letters, that they are going to proceed with a bankrupcy order against me. I told them i was a student, and that i could not pay, for which they offered no alternative, "Pay or Else" in similar words. I got into debt about 8 years ago after i lost my job, and have had bad credit since then, but no loans, Credit cards, ect have been taken out since 2003. I am currently a student at the moment, Could not get a decent job so decided to get more educated and get a degree. At the moment i am living with my mother while i complete my studies. Ruthbridge have also called while i have been out and have spoke to my mam, and have told her about the debt and that they are going to make me bankrupt, and send bayliffs to the house ... i.e her house. My Mam is very worried, and of cause angry at me, thinking bayliffs are going to come to her door and take everything. I told her that is not the case and that i am sorting this out. This is totally out of order. That is against the dat protection act, discussing the case with somebody else about me ?? Now. I know this debt is over 6 years old now, so should be barred. I have also sent a letter from this site about then providing proof of my credit agreement with Egg. I understand they have 12 days to reply or the debt is unenforcable?? So what happens after i send these letters, Will they be forced to stop if they cannot provide proof of the agreement?. If they do not provide proof what happens then? do they send you a letter saying they will not be taking this matter any further?. Will i get proof that the case is closed, and it will not be passed onto some other company a few years down the line. If it is barred, or enonforcable , what happens to my credit file? will something be put on there that this debt is no longer ?? Lots of questions i know, but also I am moving to America at the end of the year, so i do not want demand letters ect being sent to my mothers home after ihave left, and not being there to sort it out. thanks people.