Thankyou, If they do indeed knock last time they came they only knocked once and left details how to contact them to Sort a payment plan out. Which got binned. No one came back the letters returned to the loop, And have gone full circle. If they come and I answer I will tell them to leave and in future only to contact me by letter or I will call the police And while I am at it might just video the while thing on my telephone just incase there is any shirty business. Will come back and update where appropriate.

Oh right, how come? Would that in some way acknowledge the debt? For the record all letters go in the bin. Any knockers will get ignored or sent packing.

Hi there thanks for your very helpful information, I won't be answering any letters and any I get will go straight in the shredder. Cheers SDA.

Thankyou that's what I was wondering too. I will of course update as per. Be well, SDA.

Will do thanks as always for the sound advice, can you see them going any further?

If they needed a lift I could possibly help out too? Your right, I won't be replying GUB if anyone visits and I'm in ill just give them the 3 count then im calling the cops, and don't come back without a written invitation from me. Which you won't be getting. If they take court action I'll welcome that wholehearted.

That's some letter , thanks. I will let them visit a couple of times first then possibly send it. I'm quite willing to go through the legal process. It's the DCA that seems willing to make threats But reluctant to follow them through. Until that day I won't be doing anything it's been 4 yrs now They still haven't enforced anything taken me anywhere to pay anything so on and so on.

Update today received another letter.. CLI Legal big red letters..... Notice of Personal visit Please accept this letter as confirmation that we are now turning this matter to our doorstep collection agents as a final attempt to discuss this matter. Unless you contact us within 7 days our doorstep bloke will be instructed to visit on a regular basis until contact has been established and repayment has been made. Firstly .... What happened to final notice before court action? Secondly... A door knocker has been before left letter and number didn't contact letters from cli started again it seems we have gone full circle? What does everyone think about this? Oh and yes I get full legal representation no from my Union but it's obvious it's not going to come to that? Thanks guys, SDA.

Not sure I just tore the letter up and binned it Along with all the others I've recieved in the last 4 years. In my view if they take me to court, it will be sorted Fairly I am a union rep and will recieve free Legal representation along with anyone else That is in a union so it will be fairly resolved. If however the threats keep coming but no Action taken, that I can deal with and will just Keep putting the letters in the bin? Can't really see what else there is to do in this one?

Hi all, Update! Had a letter from cci legal again today, 3rd one actually in the last 2 months, last one was from Feb from door knocker which I ignored. 1st one you owe this amount please get in touch to arrange payment. 2nd we haven't heard from you please pay in 7 days. Today's we will take you to court if we don't hear from you in the next 7 days. To avoid this get in touch now. Obviously it is unnerving but I will stand my ground and see what comes next. The letters again seem standard issue. Will add more as it happens. SDA

Hi Guys just a quick update. had a letter 2 days ago from a DCA from Eindhoven Holland asking for this debt to be paid. Was a pretty standard letter from a Dutch DCA. Since the unanswered visit from the debt door collector leaving his details to get in touch ( which i didnt.) or he would be back ( he wasnt) I havent heard anything more from cci legal or capital recoveries. So i guess its gone back over the North Sea for the cloggies to have another stab at? Any more news ill let you know. Any thoughts on this guys? cheers SDA

Thanks UB, i think that is the route i will take, I have also seen posts that say DMS (capital recoveries) is just another DCA and have quite possibly bought the debt from cci legal and are trying it on? All possibilities of course . Time will tell I will update if anything to add, if no one else has any exp of this or advice, Thanks again.

Hi there that is great advice im still reluctant to call the number as i am fearfull of the results they have been sending letters and threats for 3 years now and i am kind of hoping this is just another ploy at putting the frighteners on? Or maybe i am deluded? Its a tough one i am really considering sitting on my laurels I have told the wife not to answer the door and see what happens, I am really starting to worry now as we have just bought a house too although 99.9% ownership is in the wifes name as i had the fore thought to do this as to hopefully not lose the house if it does in fact go to court? Also there is no mention of cci legal on this letter and all the rest of the letters were from them and seemed to be standard ? If this is the case what is the most obvious outcome? how should i proceed? is it time to seek legal advice/ Just to add i have never made a payment, answered a call, or letter or have acknowledged this debt in any shape or form. after reading other posts someone received same through the door hand posted letter did nothing and then received a letter from their (capital) solicitors asking for full payment or negs over a pm payment or court action would follow ,it didnt then 4 years later letters started again...... ..i dont know what to think? also 1 question, if they intend to take me to court? why wait so long 3 years since letters 9 years since i left the country where debt originated 9 years in total I cant understand that? To say again i havent paid a penny or acknowledged the debt at all thanks.

Hi thanks for quick reply, I not quite sure what that all means but the letter says they want to discuss amicable terms for repayment? and this debt is from holland and from over 8-9 years ago? what does insolvency and setting it aside mean? sorry for my inexperience

Hi Guys, UPDATE! Had a letter through the door today HANDPOSTED from Capital recoveries dms stating they had knocked at the door concerning this debt and that unfortunately no one was in and that more visits would be made but would prefer me to contact them (mobile number ) on letter quoting reference number and that attempts have been made for contact to no avail. There is no record of this debt on my credit history. i am able to get debt loans car cards etc. I am unsure of my rights now what to do as this seems to be their last card to play? Can someone please help in simple terms we have just had a baby and knocks on the door are very unsettleing, Hope there is someone out there that can help? Thanks in advance. SDA

HaHa yeah i suppose especially when I tell them in their own language .....But would it not be someone from CCi Legal that would come a knocking?? Could they have bought the debt?

Well cheers for that it sounds like they ARE just fishing after all, it is so worrying tho especially as the debt is for 40k Euro but i have had letters for 18 months + now and thats all it seems to be ,letters and some e mails,just dreading a knock on the door

Hi thanks for the advice, does anyone think this debt can be reclaimed by CCI Legally? Does anyone know of a template letter i can send to the collection agency that requests them to stop sending post for debts that are statute barred? Or do i just keep putting the letters in the shredder from now to eternity? Thanks.

Hi, Here is an update, Its been since December 2012 I have moved house , CCI legal have somehow got this address and have been sending almost every week a letter asking me to get in touch regarding this debt, same old threats of a possible collector making a visit to receive FULL payment or discuss repayment scheme, also same letter as 12 months ago saying they will refer to client to seek advice on legal proceedings, are CCI not the client now if they have bought the debt? I still have not been in touch with them and i will not get in touch EVER! I have a perfect credit rating, have had not letters from any courts etc..... The letters look like they are automated as non are signed in ink just straight out of a machine... .I have also had a few E mails which basically say the same as the letters which is not a personal e mail address which i have now added to my blocked list. So wont get any more of them. Is it worth while sending some kind of letter asking them to not send any more letters....does a template of this kind of letter exsist? Or am i just fanning the flames? Any more advice from you guys would be a real help.... .Thanks in Advice, SirDrums.

Thanks for your advice .. .sorry i wasnt very clear the debt has already been passed on to cci legal based in Wales and all letters have been from them which i have no intentions in replying to it is this DCA that was threatening with the court but now is trying more aggressive tactics i have no assetts or savings so i am prepared to dig my heels in and see what happens,what do you think? Thanks. Also in Holland the property will have sold for the value they have a different system it gets valued and then that is the price it sells for no haggling there and it wasnt actually a auction sorry for misleading info

Hi all another update, Received a letter today after the last one in August 2012 threatening court action saying that if i dont pay or get in touch in 7 days they will instruct a field agent to come to my home to obtain payment in full or a mutual payment agreement. Further to this it states that said agent will compile a list of any assets that can be levied upon and conduct an investigation into my financial and employment status including and not limited to interviewing neighbours and conducting land registry and credit searches and that all credit searches are recorded and may effect my ability to obtain credit......... Questions to you guys: What do you make of this? Why havent they just gone through the english courts as they were threatening to in last letter is it because its statute barred as the mortgage was paid off by sale of the property the amount owing is debt? This letter to me seems to be a quite aggressive threat but is it an empty threat because they realise they have no legal way of recouping this debt? any input would be greatly recieved cheers.

Hi all a quick update on how things are progressing had one or 2 letters asking to pay the debt from holland from 2004 of 40k euro first had a dutch CA sent a letter and e mail which i ignored in late 2011 since then cci legal have been sending several letters for the recovery of the debt which i have also ignored latest letter today states: that because they havent had any response they are obliged to seek the clients immediate authority to serve legal procedings and to avoid further difficulty it would be helpful if their agent called for the purposes of serving the court form and for me to confirm my address for the service of legal documents copies of all prior correspondance will be placed before the courts as evidence of our efforts to resolve this matter or i can still pay of course........... is this a ploy to try and get me to acknowledge the debt which i have so far refused to do and will continue to do so Im still not convinced i can be made to pay and will simply refuse to open the door to anyone i dont recognise does anyone have any helpful advice in this matter thanks.

Thanks Guys appreciate the help

40k seems enough to chase up i would say i will just keep ignoring until im forced to act if and when that day comes i hope not thanks for your help.

According to that then i am screwed?