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Scotcall Doorstep Challenge


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Hi All,

 

Just had a nice lady from Scotcall come knocking on my door for a debt to CapitalOne.

Ive not had a Capital One card since 1997,but this woman says capital one have passed the debt on to them.

I told the nice lady to show me a signed credit agreement between myself and capital one to prove i owed them money.Of course she couldnt but says they have it at the office.I of course requested that she ring and get them to send me a copy.

Will this debt still stand after 10 Years and should I pay Scotcall a penny.

 

Any Advice

Chris:)

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If you have not made any payments towards the account... or made a written acknowledgement of it within the past 6 years.... then it's statute-barred.

 

Is this the first time you've heard from Scotcall ? With any luck, it will also be the last... seeing as she seemed aware of what you were asking for anyway.

 

:)

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And if you inform Scotcall of such, they will be in breach of OFT guidelines on unfair business practice if they continue to attempt enforcement.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I also thought they are not allowed to turn up on your doorstep without letting you know first.

 

I would have personally removed her from my land!!

 

HAK

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It's against OFT rules to turn up without giving adequate notice - I assume she didn't - therefore would report her to the OFT.

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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Send Scotcall a stat barred letter while you are at it:

 

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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It sounds like a new tactic to me - they don't send the scary men in leather jackets anymore but a nice lady. What a job to have:(

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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If you have not made any payments towards the account... or made a written acknowledgement of it within the past 6 years.... then it's statute-barred.

 

 

:)

Sorry to be pedantic. Its not the last six years. Its six years from the last payment or since any written acknowledgement was made.

 

Im sure thats what you meant;)

  • Haha 1

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BoyBoyNova . hey man you can borrow my 2 GSD's, They loooooove the ladies :)

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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