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please give me advice


mattboy19811981
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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 :cool::shock::sad:

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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.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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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

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

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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