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joesoap

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Everything posted by joesoap

  1. Yet another letter to ignore then. I'm getting on a bit no, 72 so forgetting most of what I've learnt over the years. Why does the RBS persist on passing over to DCA's?
  2. Well, now Wescott has given up the ghost and RBS has now passed it onto ZINC. This is a new one to me, are they any different to the rest?
  3. Thanks for that Andy but should I be worried?
  4. Latest correspondence from Wescot, are they getting serious and is it time to remind them that the debt is statute barred? WessieOne.pdf
  5. True to form I guess, RBS Retail have now engaged Wescot as Moorcroft was dropped. As far as I can make out, they have not purchased the debt, stating that they're a "specialist debt collection agency", their words, not mine. They're obviously looking for a repayment plan but as the debt is statute barred, it isn't happening anytime soon. I'm just wondering whether or not to send the Statute Barred letter to get rid of them or just let it ride for now. Any advice gratefully accepted.
  6. I have an outstanding loan that Moorcroft is trying to collect but according to my records it is statute barred and I am in the process of telling them that . I also have a statute barred overdraft that Moorcroft is trying to collect. I have received a letter from Moorcroft today advising me that my outstanding loan has increased by X amount . It transpires that the RBS, or Moorcroft have added the outstanding overdraft amount to the outstanding loan amount. Ignoring the fact that these are statute barred, is the the creditor/collector allowed to do that, surely they must be treated as two separate accounts as they were originally notified as separate account numbers!
  7. Thank you for that, I wasn't really sure.
  8. I'm guessing that this question has been asked many times but I'm unable to find an answer: can overdrafts be statute barred?
  9. Took no action as suggested and true to form, another letter from RW stating the debt is not statute barred; guess I'll let this one ride too.
  10. Mrs Soap had an old debt with Barclaycard and due to her illness it wasn't paid off. She has been pestered by Robinson Way off and on but again, because of illness letters were ignored. I managed to dig out the paper work and according to my records, nothing had been paid for over six years. I wrote to Robinson Way on 4th April and quoted the relevant regulations. She has received a reply from Robinson Way and it states, "We can confirm that your account is not statute barred as the last payment received on this account was for £5 on the 22nd of February 2013". According to my maths this time lapse is over 6 years before I write back to RW I'm wondering if I'm missing something or is RW trying it on; any comments will be greatly appreciated. Joe Soap
  11. Cheers. No specific period was mentioned, just "your bankruptcy".
  12. I wouldn't use a claims company but she didn't have PPI anyway. She's just annoyed that they;ve brought this up after all these years!
  13. My pal was made Bankrupt early 2001 and discharged under the old rules. This dropped off her Credit File after six years and nothing is shown. However, yesterday she received a letter from McGinness Associates referring to her Bankruptcy and PPI: "We would like to make you aware, that after being discharged from your Bankruptcy, you are now entitled to claim for compensation for PPI". Personally, I take this as an Invasion of Privacy. Does this firm go through old copies of the London Gazette? Being so long ago my pal had more or less got over her bankruptcy and is very upset at being reminded about it. I'm ready to blast them but I want to know where we stand, can anyone offer up some advice; and for the record, no, she hasn't had PPI. Am I right about the London Gazette or have they trawled elsewhere? Joe
  14. Because they've sent me a letter regarding tax credits but also said I should pay my outstanding Sky debt in the same letter, it's obviously someone elses debt: I've never had Sky so I want to make a complaint to the CEO and obviously the FCA.
  15. In the hope that someone picks this up, I'm trying to find the CEO for pastdue credit solutions but don't seem to be able to find it listed, do they have a parent company?
  16. Past Due Credit have taken on the collection of recovery of tax credits for HMRC. I'm having a go at them and they sent me a letter asking for such and such so I asked them for a break-down of what was due; they haven't done that yet. In addition, in the same letter they have stated "your outstanding debt for SKY should be made immediately"! I don't have SKY! Complaints made.
  17. Thanks dx, I have used the stat sheet.
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