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deep in the whatsit

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About deep in the whatsit

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  1. I did waffle a bit.. Its just that i know what spam is like and even the most obscure email address will get some at some point, but when my financial trouble started the spam on my credit card email address increased substantially. And when i checked out one of the links in the email it was registered to an employee at one of the debt collection agencies. Yes trying to trick me into contacting them or trick me into trying to buy something which would then let them know that i had money to spend i guess.
  2. 100% true on the adverts for big screen TVs at discount prices, this was back in 2007 ish when they were always doing naughty things like posting little white cards saying you missed a parcel and to call to arrange redelivery. Yet it had a stamp in it. Someone did mention which company that was likely to be. Something logistics? I know i have jumped the gun a bit on some unknown phone numbers. But i am 101% sure that the website offering cheap goods was registered to the same person working at one of the debt collection companies. Fairly sure it was a Chinese name. Anyone remember a chinese guy working work a debt collection company. Vaugue memory that the company being London based but the domain registered more towards Devon? The guy had also setup his own debt company, or another company with him named on it. If it was just general spam then i totally agree, but the only link to the email was my CC bills and my ISP. And that doesnt explain the website being registered to the same name of the guy at the debt collection company. I know its far too late to for them to do anything, just the wife worried. I said i need to post a letter tomorrow and she worried again that it would start something off. I dont care either way thanks to all the info from you guys. She is in 2 minds about the letter. She said ignore them, i said are you sure because a letter should stop them calling ever again. Thanks, guys. Printing the letter now so she can have the choice to ignore and tell them to go away or post it in the morning. A big thank you.
  3. Andy, if it was just me then they can call as much as they like. I have a call blocker which is probably stuffed with their phone numbers over the years. If i do actually pickup then they wont get far with me. But the wife worries and will always think they can come in and take everything. LATE EDIT: For the cost of a stamp, it may put a stop to them. Its been a long time now, and i have probably mentioned when it first happened we didnt know what would/could happen. Phone calls at all hours of the day and night, text messages to the house phone which came through at midnight and then repeated if you didnt pickup within a couple of hours. Cards received with a stamp saying we have a parcel and call to redeliver. The email address i used for banking was then suddenly hit with a ton of SPAM, Websites offering cheap TVs etc. Registered to someone that worked at one of the debt companies.. Coicidence? I think not.. Chinese guy? I had letters from virtually all the debt companies... Thanks everyone.
  4. Is the local number a ruse to get those that know the 013 numbers are mostly debt collectors and to ignore it where a local call maybe answered? Or to make me think they have a local office and worry i will get a knock on the door? I wonder if they will play the you paid us ££ on (date within 6 years) so its not statute barred? So just send the letter as it and not modify it at all? Will do that,. Thanks
  5. Persistent little so and so's. Heard nothing for years and now a call virtually every day. Wife answered a call today with a local number, do they have offices all over or do they have batch numbers they use from a call centre? Caller was arrogant and sounded threatening she said "I NEED and I WANT to speak to (My Name)". Must remember to try and record them if they call and i answer. Re: the SB letter. I dont need the without prejudice do I? Not admitting to anything new which could have reset the SB clock. No payments since Aug 2006. Although i thought it was later. Do i change the number of years or just leave it at over 6? 7.15.4 applies to me mostly. I have not spoken to them since at least Sept 2006 never mind admitted anything to them. Do i still put 7.15.8 in ? even though i have not actually conveyed this to them? I chose the ignore until they give up. I wonder how many other accounts they have of mine? Would i need to do this to any other letters with different account numbers? Or should this give them warning im not interested? Thanks.
  6. Thanks. I really must stop being so lazy. Although i read something the other day, someone had been paying a token amount to a debt collector for many many years and the debt has increased and increased. Someone told them it would be statute barred after 6 years, but they were quite upset to be told no because you're still paying them. So glad i looked into this and i am not in that situation. Time to move on Thanks again. No more credit... Want it now. Pay for it now. Thanks all.
  7. It was mentioned before the debt still exists and they can ask for payment. But what method is acceptable and how often? Is there a general rule. After sending the SB letter how often can they still ask "can we have some money please mister"? Thanks
  8. Sorry guys, i took the lazy approach and ignored everything again. I have received nothing for a long time and then suddenly a letter from Cabot saying they are passing my debt to Ruthbridge, a debt collection agency. In the same envelope (is money too tight to post 2 letters?) A letter from Ruthbridge saying to contact them. I had a message on my answerphone.. This is a call for (silence) Please contact us using your reference. Thats it. I googled the number to see Ruthbridge mentioned. This is a Citi card debt with the last payment in 2006. So long past being statute barred. Its time to move on now and put a stop to these letters dragging up a period i would rather forget. Will they stop or will they write forever? Thank you. PS i know i am a pain the the bottom and so lazy when it comes to dealing with these people but its time to do something. (if possible) PS. Do i phone, email or write to them? Thanks
  9. Similar issue here. Cabot sent a letter saying they are passing my account over to "Ruthbridge Limited, a debt collection agency." Ruthbridge will contact me within 7 days, and in the same envelope is a letter from Ruthbridge saying to contact them and not Cabot. Same envelope i presume the same company? These debts are well past being statute barred. Last payment towards them being 2006. Had a half baked phone call left on the answer machine from someone also. Contact us using your reference. They didnt mention my name. System glitched and missed that. They didnt say who they were also. I have been rather lazy and just ignored all attempts of contact and even though, advice on here (excellent advice, thanks) i have been ultra lazy and just ignored them. But now its time all this was forgotten and put behind me. As per the OP i expect its time to move on. Sorry if this intrudes on your thread. But please dont be lazy like me. Otherwise 11 years on you maybe getting silly letters also.
  10. Maybe me worrying too much? I have switched to first direct and no problems so far. Shame i have no money to put into it, I have had my ESA stopped. Getting a mandatory reconsideration in now and hoping to be able to get some more evidence from the doctors, but it seems they dont like having to supply this because its a lots of work and they appear to have had a run of them. I may have to pay for it? Thanks for asking.
  11. Is it normal for the manager to sit in on an account opening? Would my past history have affected that and he had the decide whether to allow us to open it or not? Seemed strange to me. Especially when they found my old emails address etc on file.
  12. Thanks. I have been told that banks can take funds even though it maybe statute barred, were they wrong? My last payment towards the debts was approx August 2006 so statue barred before 2013. I know the Santander had my details on file and i was curious as to why the Manager sat in whilst we opened the account. Making sure i was genuine and not going to run up debts? If he had doubts about me opening the account would he have said no? Thanks.
  13. I posted a while back about my concern when opening a Santander current account that they had my details on file already. This was from a cahoot loan/credit card combination account. Going back to 2006 ish i had a lot of credit card debt and totally stuck my head in the sand and ignored them all. I tried to explain being off work on the sick to MBNA or Citi or Capital One i forget which now. But they were not helpful at all and wouldnt do anything until i had missed a payment. So they whacked charges onto charges and i had nowhere to turn and ignored them Moving on and they were all statute barred and nothing ever paid to them, not proud but circumstances gave me no other options. When i opened my account and they mentioned the cahoot details i had a panic moment and thought they would take the money away to pay the old debt. Nothing was ever mentioned but when opening the account the manager sat in taking notes but said nothing. To make matters worse i opened the account with my partner so she will be linked to me now also. Looking to change accounts now and wonder is it safe to choose a company linked to any of the credit cards i had all those years ago? How many of these cards are linked to accounts and am i worrying over nothing after all this time? A call blocker on my landline now means it rarely rings. I was still getting dodgy calls at all hours of the day and night until that was installed. The 2 email address that i used for the banking still gets tons of spam every single day, although the tempting offers of cheap consumer goods and PPI protection and offers of loans have reduced now. Rather more than a coincidence that out of 14 AOL email addresses the only 2 that get the spam are the 2 i used for banking. Even the ones used for chat which used to get harvested do not get anywhere near that much spam. The domains are mostly registered in Bermuda. If my memory still works i had these cards/accounts Citi, Capital One, MBNA, Monument, Cahoot CC/Loan, Barclaycard. Its embarrassing to see all that now but credit seemed easy back then. I think thats the lot? Any banks not safe to open an account with? You maybe pleased (or not) to know i have stayed debt free since. I have one credit card with a small limit thats paid off 100% each month. I do not wish to make that mistake again. Thanks all
  14. Are they supposed to still send statements out? I have had nothing for several years now. Its possible they got sold on, but as i mentioned in my debt threads there were a lot of letters from many different companies, some chasing the same debts. From what i gather it was probably just internal departments with different names. This account was for the wife, she has not been able to open an account for some reason, slight issue with her not appearing on the electoral roll. She was accepted and we should have left it at that and not made it into a joint account. Just trying to cut our costs and get a few extra pennies here and there. Were told the 123 account will save us money on our household bills. Costs £24 a year but it will save us more than double that. My plan now is to just put enough in there to cover the direct debits and not leave a penny extra. Since all the defaults in 2006/2007 i have not spent more than we get, I do have a credit card with a small amount that we use for the shopping and pay in full every month. Wife is under strict instructions that the first time we cannot pay it all off it gets cut up and binned. I thought i had a 2nd chance having learned a big lesson and a fresh start and this has popped up. Do i just hope they sold the debt on and wont be claiming anything back? Another worry is we put the bill money in and setup the direct debits and then the direct debits fail. With companies adding charges for missed direct debits will hurt us financially.
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