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  1. It has been a long time since I've posted on this forum and to be honest I thought it had served its purpose well and that I had no further use of the advice from others. Indeed my most recent post albeit a while back have been in response to others rather than to seek assistance. I'm writing today to compare notes. You see I've not been troubled by debt collectors in a while but recently activity has recommenced and when I think back it is clear that they come in waves. I wonder if others are seeing similar patterns. Following advice elsewhere in this forum I stopped paying my creditors and commenced a tactic along the lines of "I repudiate this debt, prove it!" and I suspect that as a result most would be time barred if action was taken. So, I'm somewhat surprised that there is a fresh flurry of activity. My current tactic is to do one of many things that are all designed to hold them on the phone for as long as possible without acknowledging or confirming who I am. I feel that they are intruding on my time. Are probably on commission for funds collected and that if they realise they are wasting time with me they might bypass next time around and if not well I can be just as annoying to them as they are to me. I live in Scotland where a creditor has 5 years to raise legal action after which the obligation of the debtor to settle with the creditor lapses. My most recent default was issued in July 2009 but this relates to a debt purchased by third parties who issued a fresh default after I disputed the matter. This in its own right was wrong as a default cannot be issued whilst the matter is in dispute. Most other default notices were issued a few years earlier. I have not acknowledged any of these alleged debts since 2007/8 and so most are time lapsed and others will lapse later this year. One of my creditors did raise legal action a few years back but withdrew when they saw my defence. I seriously doubt that the others will ever raise action and if they do I'm suitably prepared to lodge my opposition. I guess that even though the obligation to settle may have passed that this does not stop a creditor persisting in their efforts to collect and passing the account from one collection agent to another and this explains my waves of calls every six months or so. What about you? Do you see a pattern with my experience described above?
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