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ccs collect 8 year old debt


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Hi guys hope you can help me.

 

I have just recieved a letter saying I owe £4420.00 for a loan i took out. I contacted the company and played dumb, they said it was for a loan i took out in 2000 and the last payment was in september 2001!!!!! The letter is ruthless and a little concerning, having said that a friend of mine has told me I don't need to pay because of the timescales. I told the company that i would get back to them and i didn't accept that this debt was mine. Can anyone give me advice on how I can move forward with this please :-x

 

Might i add that i have not have any contact with anyone over this since 2001!!!

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hi. welcome to cag

 

yes they know it:rolleyes:now you tell them that you know it and they are not getting a penny.

 

send them statute barred template number 2

DCA link

send recorded

 

SAM:pLOWELL DETESTER

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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really?????

 

the letter suggest that they can remove stuff from my house, me and the wife are so worried about it.

 

Are they just trying it on? are they allowed to do this? Sorry I can't stop worrying. Why would they send a letter if they cant get their money back???

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please do not worry to take anything out of your house they would need a court order and since the debt is statute barred they will never get this remember a dca has no powers but they make out they are all powerfull only a cort can make you pay a debt and I cannot see any judge alowing a sb debt through there court in fact I think they would be rather annoyed and order large costs against any dca stuipid enough to try it

Edited by dcakiller
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really?????

 

the letter suggest that they can remove stuff from my house, me and the wife are so worried about it.

 

 

Are they just trying it on? are they allowed to do this? Sorry I can't stop worrying. Why would they send a letter if they cant get their money back???

 

Don't worry. They are trying it on. This is a bullying tactic that is standard in a grubby industry.

 

Removal of goods can only happen when a creditor has a court judgment and the debtor has failed to comply with the court's order to pay. Since the debt is statute-barred, they cannot pursue it any further, and so they cannot go to court. Note that you need to tell them that the debt is statute-barred, and that you won't be paying.

 

Don't ring them; keep everything in writing.

 

I'd suggest a short letter along the following lines:

 

Dear Sirs

 

I refer to your letter dated (date). I do not acknowledge any debt to you or any firm you claim to represent. All communication in this matter must be in writing.

 

The alleged debt is statute barred under the Limitation Act 1980. Take notice that no funds will be forthcoming.

 

You are reminded that the Office of Fair Trading Guidance on Debt Collection considers it an unfair practice to pursue a statute-barred debt when it has been made clear that no payment will be made.

 

I do not expect to hear from you again, and no further correspondence will be entered into.

 

Your etc.

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Don't worry. They are trying it on. This is a bullying tactic that is standard in a grubby industry.

 

Removal of goods can only happen when a creditor has a court judgment and the debtor has failed to comply with the court's order to pay. Since the debt is statute-barred, they cannot pursue it any further, and so they cannot go to court. Note that you need to tell them that the debt is statute-barred, and that you won't be paying.

 

Don't ring them; keep everything in writing.

 

I'd suggest a short letter along the following lines:

 

 

 

I can't believe that i don't need to pay it, thats amazing. The letter is so real and scary, my wife is so please. I'll follow your actions and get the letter sent.

 

Thank you all so much

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they know that it is statute barred and hope that you dont know the law.

 

idle threats attempted to scare. lies that can never be carried through.

 

this is why they should be reported:mad:

 

how many do not find cag or get any other help

they believe what they are told and pay up

 

SAM:pLOWELL DETESTER

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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6 years no payment or acknowledgement = statute barred.

 

They can't press you for payment.

 

Send Statute barred letter recorded delivery. Do not sign it. They will lift your signature and try and falsify your acknowledgement of the debt in the six year limitation period.

 

Notify trading standards immediately if they respond incorrectly. The onus is on them to prove it is not statute barred otherwise they must take a hike.

 

Trading Standards - Consumer Advice

 

Now go and enjoy yourselves.:)

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