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letter from Red debt collection


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Hi all, new member to the forum looking for some advice.

Had a letter from Red seeking £112 for an old barclaycard debt that I apparently owe. They said that if I don't pay I could end up having a visit from a 'home collection agent'. I am in Essex, they claim to be based in Leeds??

 

If true this debt is at least 8 or 9 years old and I haven't paid or acknowledged the debt in that time. I had a similar letter from a different company a few months ago which I just ignored.

I have seen the template letter for claiming statute of limitations applies to the debt. Should I send this now or wait and see what happens ? It hardley seems worth their effort pursuing such a small amount but who knows?

Any advice on what I should do??

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Hi and welcome to the forums. :)

 

This company specialise in purchasing Statute barred debt, they buy it for peanuts and then attempt to frighten people into paying the full amount, often using dubious legal threats which go against the OFT debt collection guidance.

 

As you already know about the Statute barred letter i'ld recommend sending it to be your next priority. Be sure to send by first class recorded delivery or SD if funds will stretch.

 

Also, have a read of the OFT's guidance, there's a specific section for Statute barred debt.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Regards, Dave.

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Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

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OR!

 

You could do what I did when they tried it on a few weeks ago for a non-existent debt from Sky.... Ignore it altogether.

 

They sent me 3 letters, all more threatening one than the other... and then stopped. I haven't heard from them for ages now. They obviously tried it on and then gave up. Good. :razz:

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Personally i'ld send the letter and add a bit about the OFT guidance just for peace of mind. ;)

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

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

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

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Depends how confident you are.

 

Before CAG, when Lowells tried it on with same alleged debt, I wasted time and money on letters and phone calls and whatnot, naively believing that if I explained sensibly why I didn't owe that money, they would desist... Ah! Shows how little I knew...

 

Post CAG, I knew better and couldn't be asked going through the same rigmarole again, so I just ignored them...

 

If in doubt, you're probably better off sendign them the statute-barred letter... then again, if they're just fishing and not sure that you still live there, you could be giving them an incentive to carry on bugging you... Tough choice, I know... ;-)

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thanks-

Think i might ignore them for the time being. The letter from them was sent general post so they have no proof I recieved it.

If they bother me more I can always send the statute letter then right?

 

In the unlikely event that I get a visit from one of their 'home collection agents' what should I do?

Also how much was that sky debt they claimed you owed Bookworm??

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The statute barred letter is fine if you intend to make a complaint against them, and actually follow it through. If not, you are wasting your time and possibly playing right into their hands.

 

Ignore them. Chasing statute barred debts is often just a tracing method to provoke a response, or/and a lead for something else. There's nothing to stop them trying to get you to pay, but they can't take you to court over it.

 

You have no legal obligation to assist these people in anyway whatsoever, and by confirming your identity and whereabouts by responding may be just what they wanted in the first place. Information is often more valuable than the (SB) debts they are supposedly chasing.

 

A visit is not impossible, but highly unlikely. It's part of the bullying process. If in the unlikely event someone knocks at the door asking for personal details, you are perfectly within your rights to tell them to duck off, or just politely ask them to leave whichever you prefer. If they become difficult, don't hesitate to call the Police.

 

Why leave yourself open to fraud, or a burglary, because of these prats??

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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OR!

 

You could do what I did when they tried it on a few weeks ago for a non-existent debt from Sky.... Ignore it altogether.

 

They sent me 3 letters, all more threatening one than the other... and then stopped. I haven't heard from them for ages now. They obviously tried it on and then gave up. Good. :razz:

Clownells seem to operate in cycles and go around in ever decvreasing circles so that eventually they will disappear up their own rear orrifices. They have been chasing me on and off for about 3 years now and went through all the usual scary letters scenarios. After ignoring them I decided to fight back. I now have them tied up in circles so much that they have commited a very serious breach of the law in writing. So if you enjoy a bit of DCA baiting send them the SB letter and have some fun. In my case they invented an imaginary payment which I have irrefutable proof that I could not have made. I invited them to take me to court but in spite of all their huffing and puffing the declined.

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