please give me advice

[mattboy19811981]

hi

 

my mum had a phone call from LINK DCA today asking for me she told them i dont live with her any more (which is true)

 

they are 100% looking to claim a debt thats over 6 years old that i know as ive not had any credit since the year 2000 or before!!!

 

1 should i bother contacting them???

 

2 can they CCJ me due to the fact they cant find me???

 

3 is there any way im still liable to pay them the money ??

 

4 i have a rough idea who i owe the money to its either Visa or Nat West

and is deffo under 2 grand?????

 

5 can she tell them to stop phoning as a legal right to her

 

any help is great

 

mattboy19811981

[rory32]

1 should i bother contacting them???

 

Yes, but in writing only. Do not speak to them on the phone.

2 can they CCJ me due to the fact they cant find me???

Nope, but it's not due to them not knowing where you are. It's the fact that it's statute barred so they can't take any legal action on the account.

3 is there any way im still liable to pay them the money ??

No, if it's over 6 years since payment was made or an offer of payment was made then the debt is statute barred. Send them template M from the link here

5 can she tell them to stop phoning as a legal right to her

She can send them this letter here

 

If they continue to phone keep a log of any calls and report them to Trading Standards for harassment.

Send the letters recorded delivery so that you know when they have been received.

[patrickq1]

hi mat you did nt get a ccj for the origional debt did you,just wondering cause that will put a spanner in the works if you did,

patrickq1

[mattboy19811981]

all ccj i have had have been payed totaly

 

does that make a difference?????????

[42man]

No, no difference at all just send them the letter Rory highlighted above...