Cardinal Capital

[montrose]

Received a card from Cardinal Capital stating that a agent would be in my area and will be calling to discuss things with me.

It also says that i should phone them and let them know if i will be available or not.

Do i have to see this person or phone them? I'm not even sure what debt it is they are dealing with. Can anyone help?

[alfwithhair]

No you do not have to ring them or speak to them.

If and its a big if, they turn up at the door, just tell them to bugger off. Put what ever they want to discuss with you in writing

 

http://www.cardinalcapital.co.uk/

[kurvaface]

Debt collectors have zero power:)

 

Is there an address on the card?

 

You do not have to receive unwanted knuckle scarpers on your doorstep if you don't want to. (there is a template for this)

 

Also, do not speak to them on the phone.

 

Do you know what the debt in question is, how old it is, when you last acknowledged it, if there is correct paperwork etc?

[montrose]

Have no idea what the debt is. Have looked through my paperwork and can't find anything with their name on.

[alfwithhair]

Send the planks this;

 

Cardinal Capital Ltd

PO Box 14493

Birmingham

B16 6FN

 

Dear Sir or Madam,

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384

. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully,

 

Remember to print your name never sign it.

[Bazooka Boo]

Letter when a Debt colection Agency (DCA) threatens a doorstep visit. 'Here'

 

Beat me to it ALF!!!

[montrose]

Thanks for that will send that off tomorrow.

[kurvaface]

Hey Montrose,

 

Don't sign the letter..... they are known to lift your signature and use it against you...

 

You may have a statute barred account there and you wouldn't want them falsifying any form of acknowledgement:)

[montrose]

Ok thanks for telling me that probably would of signed the letter! Thanks for all your help.

[diddydicky]

what kurvaface meant to say was "it has been alleged " that some of them might have lifted a signature and used it against someone

[diddydicky]

Ok thanks for telling me that probably would of signed the letter! Thanks for all your help.

 

one way around the signature aspect is to use a signatureh specifically for dealing with debts that you never normally use

 

for instance if you have a middle name and dont use the middle initial in your signataure then include it@

 

if you do use a middle name signature then dont use it

 

if you dont have a middle name make an initial up

 

spell your name a different way

 

not only will they not be able to lift your signature (and there is really no evidence yet that this has happened to my kinowledge) but if they do you will have concrete evidence of this happening

[Bazooka Boo]

You may have a statute barred account there and you wouldn't want them falsifying any form of acknowledgement:)

 

If it is SB then no amount of letters saying that you admit owing the debt will ever restart the SB clock again!

Some people appear to get confused with the whole SB and Limitations Act thing, once it has travelled it's course and no acknowledgement (in Writing) has been admitted then the debt remains SB no matter what may then transpire, nothing the debtor or creditor does can ever re-start the SB clock:D