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J2 solutions collecting 10 year old debt?


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Hello

A few weeks ago I got a letter which looked to be from a debt collector, but I saw the HSBC logo. I didn't open it but ignored it.

 

Day before yesterday I got home to find a handwritten note asking me to call this person on a Blackburn number. Turns out it's J2 solutions. Yesterday there was a note from a neighbour I don't know saying that a person was trying to trace me and gave the same number to call. This was a different surname but the same firstname.

 

I've never had an account with HSBC, although I did once have with First Direct. The letter was in my old name, and I don't have a bank account, credit card or anything like that and I'm not on the electoral register in my new name.

 

Can these people chase a debt over 10 years old? Can I stop them from going to the neighbours? I didn't know these neighbours and I don't want them knowing it was a debt collector.

thank you

JaffaCake

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Hi

 

First thing if a debt has not been chased for over 6 years it is statue barred.

 

J2 Solutions are a company who are know to buy old debt that for peanuts and try and collect.

 

I would not call them you will probably find they will not bother you again.

 

HAK

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Report them to TS - I did. Your neighbour could have easily googled the number and found out it was a DCA, therefore against OFT guidelines.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hi JC

J2 sent several letters to my wife asking her to call them about a personal matter if she had lived at such and such address (one she left 8 or 9 years ago).

After finding this site we decided to ignore them.

They also contacted 1 of our neighbours but fortunately got short shrift from them. We pre empted that threat by going round any neighbours who knew us, explained what this bunch of parasites do and were very relieved by their response to this [problem].

Guess you only need to think about neighbours who actually know you and decide if you feel comfortable asking for their help (turned out ours knew more about these companies and their skulduggery than we did).

Apart from them calling me at work a few times (by then I was happy to play silly buggers with them and enjoyed winding them up) that’s been it.

Whatever you do, don't worry too much and good luck.

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

This debt is well and truly barred.

They can ASK for payment but no enforcement (court action) is possible.

It would be a good idea to send them a statute barred letter and go from there.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter M.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

Be VERY careful whose advice you listen too

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http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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  • 1 year later...

Hello Sh

Thanks for responding so quickly. I will send the letter. The more I read the forum, the more confident I feel. I'll get the hang of how you do these threads before long. Thank you, thank you, thank you.

fatso

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