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Apocalypso

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  1. Lol... I know what you're saying, but they are masters of manipulating the system to work in their favour from what I have read. I want to be sure any action I take gives me the best protection possible.
  2. They say it is not statute barred as the 6 years clock starts from the date of default not the date of last payment/acknowledgement. They argue that they have successfully argued this in court.
  3. Hi, The original debt was with Welcome Finance, for a loan I apparently took out in 2002. I don't recall a loan with Welcome but they have enough information to suggest it may be true. (eg Bank details), though some minor details are incorrect. (eg My national insurance number) I can't scan the letter they sent but an exerpt reads "If you do not respond within 21 days legal action will be taken against you without further warning." I am confident that the debt is statute barred but want to be sure I take the best action, whether that is ignoring the letter or reiterating my point that it is statute barred. Will I need to request a full statement of account prior to them potentially taking me to court or will they need to show such a document in court? I am trying to avoid giving them my current bank details and anything with my signature on and so have avoided sending in my £1 cheque so far. I have put in a complaint to the OFT as I believe thsi constitutes harassment.
  4. Hi, I have recently been contacted by HFO Services regarding a debt they claim is owed by me. I have some doubt that the debt is mine, but it may possibly be. They have informed me that I last made a payment in April 2004, so I sent them a letter explaining it is stautute barred and asking them to not continue asking me for money. They replied to me that it isn't statute barred as although there had been no contact for 7.5 years a default notice was issued in 2006. (This has never shown on my experian credit report). I checked the literature from the OFT (and other sources) and replied again that the debt is in fact statute barred and not to persist. Today I have recieved a letter from Turnbull Rutherford Solicitors giving me 21 days to pay up or face litigation. I have informed the OFT but would like to know if I should reply to Turnbull Rutherford or just wait for a possible court summons. Cheers
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