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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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Debt Managers/Equidebt chasing old Nationwide Loan


jacko428
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Hi all,

 

My wife and I are being hounded by the above once again.

 

We received the latest letter from them this morning.

 

NOTICE OF LEGAL ACTION

 

Account due to : Equidebt Ltd - Nationwide

 

Client Referencexxxxxxxxx

Our Referencexxxxxxxxxx

Amount to be Suedxxxxxxxxx

 

Your failure to respond to previous letters has resulted in your account being passed to this department for Court Action and our Solicitors may prepare Court Papers within seven days. If you wish to avoid legal action you must pay now in full today using the attached giro or phone and pay by Debit or Credit card or alternatively you must immediately telephone our legal manager on xxxxxxxxxx

 

Thats the contents of the letter.

 

We have this morning checked on our credit file and found the following.

 

Equidebt Ltd

Account type Loan

Started 20/01/2000

Defaulted on 01/06/2004

 

We do not know what to do next,we have not made any payments on this loan for years,certainly no money has ever been paid to Equidebt.

Are we to assume that Equidebt bought this debt?

 

Any help or advice would be much appreciated.

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Definitely statute barred. Have you sent a letter to them stating this? Once you do, they are not allowed to pursue you any further for this alleged debt. Send them the following:

 

Dear Sir/Madam

 

Acc/Ref No xxxxxxxx

 

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

 

Yours faithfully

 

Post up here what they send back to you. They have to prove it is NOT statute barred.......

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Thanks for that we will send the suggested letter and see what happens.

 

Definitely statute barred. Have you sent a letter to them stating this? Once you do, they are not allowed to pursue you any further for this alleged debt. Send them the following:

 

Post up here what they send back to you. They have to prove it is NOT statute barred.......

 

Ok,thanks for that we will do a letter over the week-end

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  • 5 months later...

:sad:Hi all,

 

Help or advice required regarding CAS (Credit Ancillary Services),never heard of this lot.

 

I am in receipt of a letter threatening DOORSTEP COLLECTION ha! ha!

 

It refers to a debt that I do not even remember having. I have checked my credit file and it does not even show on there. So my question is what do I do about it? send a statute barred letter or just ignore. This seems to have been passed on from Equidebt.:mad:

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Hi Jacko

 

I found thid link to another thread, hope it throughs some light on things for you ..

 

Credit Ancillary Services/Equidebt Ltd‎ - 2 Feb 2009

 

It seems others have dealt with them before

Good luck

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi Jacko

 

I found thid link to another thread, hope it throughs some light on things for you ..

 

Credit Ancillary Services/Equidebt Ltd‎ - 2 Feb 2009

 

It seems others have dealt with them before

 

Good luck

 

Thanks for the info Revenant, I have read all the threads and I think in my case I will send them in the first instant a statue barred letter and see what happens from that.:mad:

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