Sorry but the letter is from the Norwegian bailiff/conciliation board. https://www-politiet-no.translate.goog/tjenester/namsmann-og-forliksrad/forliksradet/?_x_tr_sl=auto&_x_tr_tl=en&_x_tr_hl=en-US&_x_tr_pto=wapp Couldn't upload the image of the letter, so here is a link. Which proves where it's from. 20231127-150220 hosted at ImgBB IBB.CO Image 20231127-150220 hosted in ImgBB I've ignored cli, and the only reason for communicating with Intrum is to tell them it's statue barred. This letter you can almost call similar to a pap, it's as I said asking if I agree with the debt or not, and if I don't they will try to mediate it.

You say this, but a few years ago I got a PAP from them, which I wanted to avoid . that's beside the point it was actually to challenge them on the statue barred dates, which was insight full information. I wouldn't have known the 20.11 otherwise. However as explained I ignored them afterwards and they seemingly sent it back to the Norwegian intrum division. But, I got an email from them today (Intrum) that they sent it to the Conciliation Board before the limitation date, so they claim its no longer statue barred because of this and refers to a Norwegian law. I also received a few days ago in the mail from the bailiff (in norway) to respond to them if I object or agree with their claim within the end of Jan 24, they can't really do anything with it, but that would definitely activate another 10 years. This letter is dated 16.11 so that would be within the timeline, however it says that the letter will be considered served for me on the 05.01.24 I do wonder if I can still claim statue barred..

Just an update.. First off, the goons at creditlimitsinternational sent a threating letter that they would "potentially" start court proceedings within 14 days days if I didnt respond to them within 4 days or something silly. It was ignored. 1,5 month later, I get a letter from intrum in Norway, written in Norwegian. Telling me to pay up, or there might be further consequences. As this was now ticking close to the date of it's limitation, I didn't do anything. Then, after the limitation date passed I sent an email to their contact address saying I dont recognise the debt and in addition it would in any case be statue barred now, they just replied saying "The file is not statue barred. There is a debenture and distraints that interrupts the limitation date" and provided a letter for 2008, but I know they have a letter for 2013 anyway, which is why the 10 years would be up now. I replied to them saying that is not correct, and copied in the comments from THEM when creditlimitsinterntional was investigating saying the date would have been x.11.23, lets see what they say.. I dont think they have done anything to interrupt the limitation date in Norway, i'm certain it's legally statue barred now. They said any further complaints needs to be done to their Conciliation Board and have just given me a phone number..

But at the time I took out the debt, I would have lived in another country with a completely different address. What I am saying is, how would that be enough proof if they pulled one from my credit file, when I have not in any form used that address for a creditor. Should they not be required to check that it's actually the current one? I have informed them, but it was just some general thoughts.

Fair point, but I guess you could have a reasonable good argument to have it set aside if they have not sent it to the correct address. But it's probably not worth that hassel. And as I understood it, you don't admit to any debts in these letters, but just inform them about your current correct address.

But those backdoor CCJs must be UK debts most likely yes? if they had no confirmation of address, how could the CCJ an address without confirmation that the debetor still lives there?

No, just a thought, if they never had an address in the first place, is there any danger of not informing them of a new address? They need to be sure right and if you never informed them (either when you signed the contract in the first place, which would have been in another country, or informed them) they can't just use any address? For my case, In norway, you update your address at this joint "people registry" anyway (which you should do if you need to renew your passport etc), so it's in there if they look. But I just think it's and interesting thought. I get it if you had signed a contract in the UK with a UK address and then moved, but if you have a foreign debt, surely they need to be certain before commencing legal action?

Hi! Just some general thoughts on the whole of informing creditors of your address. If you had a foreign debt, moved away from that county and never informed them of your new address. If they then tried to get say a CCJ on an address in the UK you lived at years before (but not any longer), how could that work practically? If you never informed them of an address, surely they need to prove that you live there for it to be valid in the courts? I'm just asking for hypotheticals here and general thoughts..

So, I have response from the creditor (through CLI) " "The file is not statue barred. There are two distrains after the debenture, the latest is dated 20.11.2013 which gives us additional ten years on the file. Please see attached. Limitation date is therefore: 20.11.2023" Along with copies of two scanned documents, one dated in 2012 and the other dates 20.11.2013 from the bailiff (in Norwegian). So it seems they claim the statue barred will be going until 20.11.2023. What could my options be here? I still have not said I recognize this debt so they can't claim I have acknowledge it. CLI is ofcourse asking when I will pay (either through payment plan or a final sensible offer), I bet they bought it for 10% or lower. I still have not received any contract of the original product, just a debt letter. Can I ask for the orginal terms and conditions of the product in English? November is not far off..

So the plot thickens, CLI has told me that they will not do any doorstep, and provided a couple of documents (debtletters would be the correct translation I would assume) that I apparently signed in 2008, so over 14 years ago! Lindorff has apparently been involved at some point too. They said they would check with the customer and see if they said it was statue barred. I would be interested to let them challenge that here in the UK anyway, which I doubt they will. Let's see what the outcome is from this and I will ask for more advice when they come back

Ok I will do that, and to get CLI off my back, should I inform them that I have done so, and that will most likely stop their collection harrasment?

Ok, but if the case is that they had been given a judgment through the bailiff (not necessarily courts as such in Norway) either around the time I left/while I lived there/or shortly after. I assume the clock has still ticked and such should still be SB.

Not rubbish, basically the general limitation is 3 years, however if they have taken steps to claim through the courts/bailiff (in Norway anyway) they can extend up to another 10 years. What I am not sure of, is if they can get that extended again after a certain period, or as I am not living there anymore they can't really go through that system. See a translation of the law here: Tilleggsfrist - Jusinfo.no JUSINFO-NO.TRANSLATE.GOOG Hvis fordringshaver har vært uviten om fordringen eller hvem/hvor skyldneren er, vil det kunne være urimelig at kravet allerede skal være foreldet etter den

Pretty sure they have my current address as it's updated in the national registry. I just want to make sure that these clowns do not come around here, I am tempted to write to them to tell them I do not recognise the debt and also in any case, it would be statue barred and hopefully that will make them think that it's not worth chasing.

Hi dx, You are correct the letter (which is my current address) is saying "Notice of personal visit". "Please accept this letter as notification that we have are now (nice grammar there!) turning this matter to our doorstep collection agents as a final attempt to discuss this matter with you. Unless you contact us within 7 days, a doorstep collector will be instructed to visit you at the above address on a regular basis until contact has been stablished, and a final attempt to achieve an amicable arrangement for the repayment of the above debt has been made. Our door step collection agents carry out out visits between 8.00am and 8.30pm Monday to Friday, blah blah blah. Our doorstep collection agent is instructed to collect the full amount due or to compile a report about your financial situation to justify a repayment agreement. Our agents carry out identification and receipts will be issued for all payments. " The Creditor that CLI is mentioning is named Intrum Capital AS.

So the debt is most likely credit card, although they are just referring to another debt collector in a Scandinavian country they are collecting on behalf of. (Intrum Capital). I moved nearly 10 years ago , and have not paid anything or dealt with any of then in that time. I know the creditors can "renew" the statue barred status in the country every 10 years , but I'm not sure they have done so. I believe (even though I'm not sure what debt they would be referring to) would be that old. I really just want to deal with any visitors. Reading this forum it's unclear if they have ever visited a property looking at previous posts from this company.

I just really don't want them to come around, it's a quite sensitive situation. So just wondering if I can just ask them to bugger off, I had a case years ago where they got to pre-action protocol and I asked them to come with copy of the terms and conditions, went quiet after that. So a "prove it" request or similar perhaps. The amount they want is around 2200 odd.

Hi! I received a couple of emails from CLI chasing what I believe is a creditcard debt (but it dosent really say). I ignored them, and now I have received a threat letter from them a bout doorstep collection. Now I know I could probably just continue to ignore them, but I rather not let them turn up as it would be embarrassing for my wife. Is it advised that I email them, telling them that I do not recognize this debt and it's up to them to prove it? (the post just arrived and it was apparently sent 6 days ago, they threaten 7 days for doorstep) Any advise helpful!

The thing is, the administration has said there will be no payment coming. "Unfortunately, whilst we have added your unsecured claim to the list of creditors within the Administration, regrettably due to the lack of funds in the Administration, there is no prospect of a dividend being paid to unsecured creditors. This means that notwithstanding your entitlement to Redress no payment towards your unsecured claim will be made. More detailed information on the reasons for this can be found in the Customer Redress Scheme and FAQs, which can be found by clicking on the link in paragraph 2 above." So, I will obviously continiously beeing chased by UB or the debt collectors. It was Unclebuck who emailed today saying the transferred the agreement to them

So long story short. I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them. Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so? How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet. "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it. I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against." And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "

Good tip, how would you recommend the phrasing of that? I'm just not keen for to them think there is anything worth to try to chase anymore. Just a recorded letter stating my address and name?

I also had emails from them. They do not have my latest address, but in a statement they sent, they didn't even have my complete old address so Im pretty sure they are just out to fish for some easy cash, mine had the following wording which was sent to me in January: "We want to make your life easier. To help you, we are offering you an opportunity to resolve your debt, originally issued by Different Money Limited. Prior to potentially escalating this matter we have authorised to accept 50% of the amount owed. Therefore you would need to make a one off payment of as full and final settlement of the amount outstanding balance which will end your liability and avoid any further action being taken against you. Please note that this offer is valid for a limited time only." I think the "potentially" wording there is the clue that this is a last attempt to try to get anything for free

got another letter from them, saying final notice before court proceedings. Saying that their client has instructed them to proceed through the courts in order to collect the debt, and if I don't pay within 7 days they will initiate a PAP again. if they do a PAP again, should I just reply with almost the same response as I did first time, since they have failed to give me: "Original signed finance agreement together with the terms and conditions IN ENGLISH <- Only Norwegian provided. Any notice of change in account terms and conditions that were ever issued since credit approval - Received no such things. Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a Norwegian debt." - not received. ?

Isn't a PAP letter a bit more serious then just threats? Or was it more likely to hope for me to not respond to this and get an easy court case?

They have now chased me for an update or else they will consult their lawyers for legal action. I am tempted to respond to them that they still have failed to hand me: "Original signed finance agreement together with the terms and conditions IN ENGLISH Any notice of change in account terms and conditions that were ever issued since credit approval Any notice of default or Norwegian equivalent that was issued by the original creditor Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a Norwegian debt." Is that a reasonable response? As for it being Statue Barred in the UK, is this 100% certain when they have secured themselves in Norway against it become statue barred there?