Morgan Stanley/Goldfish

[manc1976]

Desparation has kicked in at Apex

 

 

[Rhia]

Luvverly - hoping you'll be desperate enough to pay them for something wholly unenforceable.

[hammered]

i read with joy the letters from apex, at least we know what to expect from them - keep posting!

[Harrassed09]

HI Manc

 

What is the latest?

 

Our account has been passed to Moorcroft who claim to be 'agents' or 'instructed' by BARCLAYCARD and have served notice of 'intended litigation'

 

Still awaiting SAR response

 

BTW received same DN as you from Mercers, on Big.Sid's thread 'barclaycard/mercers - is this right' advice was given that the DN is invalid as Barclaycards name and full address is missing, just for info!

[manc1976]

3 Letters recently fromk Pinnacle, who I am assuming are from the saem office as Apex.

 

Any advice welcome on these, Thanks

 

 

 

[manc1976]

I have seen the first 2 letters on another thread, but I think I am the first to post the 3rd one.

 

Am wondering if they will actually carry out their threats????

[Fred Bassett]

I have seen the first 2 letters on another thread, but I think I am the first to post the 3rd one.

 

Am wondering if they will actually carry out their threats????

 

There are lots of 'mights', 'maybe', etc in these letters. It doesn't mean that they won't take legal action but it does make you ask why they haven't just steamed in and done it.

 

Fred

[manc1976]

There are lots of 'mights', 'maybe', etc in these letters. It doesn't mean that they won't take legal action but it does make you ask why they haven't just steamed in and done it.

 

Fred

 

 

That may be true Fred, but in the last letter, it sounded definite, as there are no mays, mights etc

[baileyboy]

I think the tone of the letters is going up a gear, but they are only designed to put the frighteners on you more so than before. As Fred says, they would have done it well before now if they had the bottle. Which they haven't.

[manc1976]

Here is the next offering where they go back to saying, may do this, may do that.

 

 

Filed and ignored

[hatesdebt]

Bump.

 

Any updates.......

[manc1976]

No, nothing since that letter.

 

Seems that threat tactic didnt work for them :grin:

[Harrassed09]

I have had similar letters in the past from the MS/Goldfish brigade and I have heard nothing, not a dicky bird for absolute months.

 

I would love to get this off my back so do I leave them alone or do I offer a F&F or how does it become 'statute barred' does this still show on my credit after 6 or 12 years?

 

What is everyone else doing at this point? What is suggested?

[Rhia]

It is six years from when the default happened (unless you have made a payment or acknowledged the debt in writing since then).

 

The debt will still exist but it will be statute barred and although debt colectors can write and say it exists there's little they can do if you refuse. Watch out for DCAs trying to make out SB debts are still collectable - they aren't.

[manc1976]

Almost a year on and Pinnacle have sent me the first letter that appears in post 80, but with updated dates.

 

I will await the next one in a few days time

[manc1976]

And today the exact same LBA letter as in post 80 too

[manc1976]

As mentioned on another thread.

 

Upon checking my wife's credit file, Barclays have changed her status to deceased ????

 

This seems to have been done back in 2009

 

The account will become SB'd in May next year, so not sure if I want to rock the boat

[Andybars]

Although this will presumably be an issue if she needs to apply for credit elsewhere as I am aware of lenders chasing the deceased for repayment but not opening new accounts for them.

 

If she doesn't intend applying for any new credit in the interim, I would agree with the leave well alone until SB'd

[Hopster]

Although this will presumably be an issue if she needs to apply for credit elsewhere as I am aware of lenders chasing the deceased for repayment but not opening new accounts for them.

 

If she doesn't intend applying for any new credit in the interim, I would agree with the leave well alone until SB'd

 

SB'd ?

Wazzat ?

[manc1976]

I cant see her applying for credit for a few years, so at least waiting until it is SB'd is probably the best idea, Thanks

[manc1976]

SB'd ?

Wazzat ?

 

Statute Barred

[Hopster]

Statute Barred

How long does it take to be SB ? Is it six years ?

[manc1976]

I believe it is 6 years since your last payment/acknowledement of account with them

 

In principle, a debt cannot be enforced after 6 years from the date upon which it became due.

The 6 years runs from the last time that the debt was acknowledged in any way or from the last time that a payment was made towards the debt.

Once a debt has lapsed, it cannot be revived - even through a subsequent acknowledgement or payment.

The relevant law is contained within the Limitation Act 1980.

 

In respect of bank charges claims or PPI claims, you have 6 years to claim from the date on which you could reasonably have discovered that you should not have been paying the money.

For bank charges claims you can claim as far back as 1st Jan 1995.

[Andybars]

Statute Barred is 6 years since last payment or admission of liability in England & Wales, 5 years in Scotland

[Desperate Daniella]

Keep your head down. You have only six months to go!