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RED Debt Collection - threatening court action

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Hi - fresh from winning an SD set aside with costs with CapQuest i have just received a letter from the above asking for an old debt which is borderline statute barred: the letter says they will take legal action leading to bankruptcy etc. if I dont respond. My initial thought is that they are trying it on and to just ignore them as they potentially know its statue barred. I dont want to CCA as it apparent to me that from other RED threads that any form of contact appears to generate an SD after the letter that I have received as a bully tactic. I definately aint spoken to anybody re: the debt since 2002/2003 so is it worth biding my time to make sure it hits the 6 year mark before I have to send the letter?

 

Does anybody think they will hit me with an SD if I ignore them?

 

Thanks

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If anybody can help, the original debt is from from HSBC for 5k from a loan I think. Whats the best way to find out when I last made a payment as this will have been my last contact? equifax? experian?

 

Having done more reading I am expecting an SD on the doormat this week.

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I would do nothing. If you respond you are confirming that you are at that address and as you suspect that will give them what they need to issue a SD.

  • Haha 1

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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get the info from a CRA if youmust but i would just ignore them, they're on a fishing trip...........

 

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Quick question: if a debt is statute barred and i tell a dca that, does that re-set the clock for another dca to come and chase me?

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