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Statue Barred Debt -- JB Debt Recovery


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Can somebody help me please.

 

I have come home to find a letter from JB Debt Recovery stating that i owe £3xxx from Hillesden Securities (Formerly Egg).

 

I am quite miffed at this, as 2 months ago i sent a Statue Barred letter to Ruthbridge who were chasing the debt, and i had no word from them since, until today i get this letter.

 

The last payment on this debt was in 2002 .. 100% Fact. Ruthbridge knew this, and have passed this on.

 

So i am mad this morning and i ring JB Debt Recovery to ask what the hell is going on. The guy says you own this money, end of story. I say when was the last payment made to this debt, or written letter by myself ?? 2002 sir. So i say well then this debt is staue barred, and they have no legal right to send throtograms through the mail saying they will make me bankrupt ect, ect.

 

"You are speaking to a legal advisor sir, This devt is not Staute Barred" We (JB Debt Recovery) have bought this debt and therfore it is no longer statue barred and payment is needed in full today".

 

Please advise me, Once statue barrerd, it can never become un barred, and if a company buys a debt, the clock does not reset again.

 

He says i need to seek some legal representative as i will be humiliated in court if i say it is statue barerd.

 

So again to clear this up, last payment to this debt was in Febuary 2002, and no payment or letter in writing by myself since then.

 

Hope somebody can give me some advice on this matter please.

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Can somebody help me please.

 

I have come home to find a letter from JB Debt Recovery stating that i owe £3xxx from Hillesden Securities (Formerly Egg).

 

I am quite miffed at this, as 2 months ago i sent a Statue Barred letter to Ruthbridge who were chasing the debt, and i had no word from them since, until today i get this letter.

 

The last payment on this debt was in 2002 .. 100% Fact. Ruthbridge knew this, and have passed this on.

 

So i am mad this morning and i ring JB Debt Recovery to ask what the hell is going on. The guy says you own this money, end of story. I say when was the last payment made to this debt, or written letter by myself ?? 2002 sir. So i say well then this debt is staue barred, and they have no legal right to send throtograms through the mail saying they will make me bankrupt ect, ect.

 

"You are speaking to a legal advisor sir, This devt is not Staute Barred" We (JB Debt Recovery) have bought this debt and therfore it is no longer statue barred and payment is needed in full today".

 

Please advise me, Once statue barrerd, it can never become un barred, and if a company buys a debt, the clock does not reset again.

 

He says i need to seek some legal representative as i will be humiliated in court if i say it is statue barerd.

 

So again to clear this up, last payment to this debt was in Febuary 2002, and no payment or letter in writing by myself since then.

 

Hope somebody can give me some advice on this matter please.

 

Utter tosh but stop talking to them on the phone ;-)

 

Send off the stat barred letter, if you have not acknowledged (in writing) or made a payment on that account in a clear 6 year window it is stat barred and will NEVER become un-barred.

 

If you keep things in writing they cant make stupid comments like the above one. ("You are speaking to a legal advisor sir, This devt is not Staute Barred" We (JB Debt Recovery) have bought this debt and therfore it is no longer statue barred and payment is needed in full today".)

 

You could try complaining to the OFT about this company also but without it being recorded its you vs them.

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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In fact, thats made me angry.. complain anyway to the OFT and ask for JB debt recovery's complaint procedure in the same letter as the stat barred one.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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we have brought the debt so its not statute barred:rolleyes:best one I have ever heard.

 

shame that was not recorded.

 

the award of one extra peanut for the spotty herbert for that fantastic fib.

 

 

defo send statute barred and as shadow says get their complaints procedure.

 

SAM

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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Right from Gordon Browns own lips (mind he's the worlds biggest liar):

 

IHTM28384 - Law relating to debts: statute-barred debts

 

If a lender allows time to pass without receiving any payment an action for recovery may become barred.

 

 

 

 

 

Under the Limitations Act 1980 the time limits are

  • in simple contracts, 6 years
  • in contracts under seal, 12 years.

If the debtor acknowledges the debt in writing or makes a part payment within the original limitation period, then the time limits start to run again from the date of acknowledgement or the date of payment.

 

Unless it is already subject to a CCJ, or you live in Scotland.

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Unless it is already subject to a CCJ, or you live in Scotland.

 

or you are not a cagger and fall for DCA sh*t.:)

SAM

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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me thinks cagbot must agree;)

 

SAM

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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In fact, thats made me angry.. complain anyway to the OFT and ask for JB debt recovery's complaint procedure in the same letter as the stat barred one.S.

 

Made you angry!:-x

 

Another DCA added to my list of baiting :)

 

I know that it is easy to say in hindsight, not to ring these clowns, but you have to give it to the new CAGgers, all they have done is what the idiots have told them too, if they don't, then by midnight the DCA's will 100% have stolen their doorsteps and incarcerated them!

 

Completely unlawful, and further evidence of these Muppet's illegal extortion racket, as there is no organisation with any backbone prepared to reign them in, once again it is left to CAG, and in the hope that all of these complaints might somehow have an effect on this corrupt racket!8)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:Dand me,pmsl at what we see.

 

stop laughing when I think of all them we do not see or know about,the ones that do not know there rights and are conned into struggling and paying:-x or worse.

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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What's worrying is that JackFrost1989 knew it was statute barred but the DCA was still able to put doubts in his mind. Just how many people do they do this to every day and get away with it; it makes me shudder to think. And the authorities know they do it and turn a blind eye. It really is corruption at the highest level methinks...

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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bit like me responded to loads of PM

 

spent hours chatting and writting letters for people

 

half the time dont hear anything back.

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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sam624, really sorry to hear that. That's why it's important to post letters once - in the template bit i guess - and i guess try and avoid pm's if at all possible. i have seen sign offs saying "Do not PM me I will not respond" but when you want to help that must seem harsh!

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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usually a newbie who has read a post where i have been thanked for helping get rid of.

 

they either are never seen on cag again.

 

on thank me in pm and do not post outcome on their thread to update other caggers,or give hope to anyone new reading a thread thats similar to their problem.

 

will respond to pm and help anyone i can,if i can,:)

and get a perverse satisfaction if its another kick for lowell/red/hampton bunch

or in fact any **** DCA.

 

SAM

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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sam, like the attitude! i guess once the problems gone away people don't think of passing that help/info on. its a shame! but we all love you!

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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What's worrying is that JackFrost1989 knew it was statute barred but the DCA was still able to put doubts in his mind. Just how many people do they do this to every day and get away with it; it makes me shudder to think. And the authorities know they do it and turn a blind eye. It really is corruption at the highest level methinks...

 

 

It's an old trick. In interrogation, tellng the subject that someone else has already implicated him, or hinting that the interrogator knows more than he really does know can be most effective when used carefully, using snippets of genuine information rather than lying. However, many subjects will ultimately tell the interrogator something (usually what he thinks the interrogator wants to hear), because they think it will end the interrogation.

 

In the same way, DCAs, playing on most people's lack of knowledge of the law and their rights, seek to make people uncertain of their position by using lies and threats from the outset, and many will pay them just to make them go away.

 

Whilst all of this is a good reason, if one were needed, for not speaking to DCAs on the phone, there were several opportunities in the conversation to turn the tables so that the drone would end the conversation.

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thanks xx

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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What's worrying is that JackFrost1989 knew it was statute barred but the DCA was still able to put doubts in his mind. Just how many people do they do this to every day and get away with it; it makes me shudder to think. And the authorities know they do it and turn a blind eye. It really is corruption at the highest level methinks...

 

For some reason the press and authorities dont seem to publicise the 6yr rule anywhere. Its left for people to find CAG or similar sites 4 advice.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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