hwlp wanted with philips debt recovery agency

[222111]

recived a letter this morning as follows

 

24th march 2010

we write to inform you we have been instruted to commence recovery procedures against you for the collection of the above arrearswhich remaind outstanding to cabot financial (europe) ltd

full payment of the outstanding amounts is herby demanded within seven days of this notice to prevent further recovery procedures commencing.

should you be unable to pay full within 7 days a instalment plan may be accepted depending on your circumstances

if you wish to pay by instalments you should contact one of our customer services on 08 xxx xxx xxxx

 

additional details ,,,,barclays

 

ref num 22xxxx

 

details unpaid arrears current acount ,,27/11/2001

 

date due 10/07/2009

 

outstanding amounts £ 6647.61

 

now how can i go on with this debt ,,,husband unemployed i,m not working do i ring ohilips up to see if they would except a payment plan seeing only unemployment money comming in due to husband loosing his job,,,or how do i find out about the credit details on this outstanding ammount,,i,m going out of my mind worring about this ,,can you help

linda x

[222111]

recived a letter this morning as follows

 

24th march 2010

we write to inform you we have been instruted to commence recovery procedures against you for the collection of the above arrearswhich remaind outstanding to cabot financial (europe) ltd

full payment of the outstanding amounts is herby demanded within seven days of this notice to prevent further recovery procedures commencing.

should you be unable to pay full within 7 days a instalment plan may be accepted depending on your circumstances

if you wish to pay by instalments you should contact one of our customer services on 08 xxx xxx xxxx

 

additional details ,,,,barclays

 

ref num 22xxxx

 

details unpaid arrears current acount ,,27/11/2001

 

date due 10/07/2009

 

outstanding amounts £ 6647.61

 

now how can i go on with this debt ,,,husband unemployed i,m not working do i ring ohilips up to see if they would except a payment plan seeing only unemployment money comming in due to husband loosing his job,,,or how do i find out about the credit details on this outstanding ammount,,i,m going out of my mind worring about this ,,can you help

linda x

[dx100uk]

wow slow down.......

 

if its 2001 it's well statute barred

never ring a dca!!

when was the last financial in/out on the account?

 

dx

[222111]

hi dx

 

how do i do a statute barred,,,as you can see i,m new to this ,,how do i go on with this

 

i,m a little bit stuck with this letter

[silverfox1961]

Hi,

I notice the year 2001. Is that the last time any payment was made?

[dx100uk]

you dont need too.

ans my question please?

when was the last time he used the A/C?

 

oh and by the way

these leeches are a debt collection agency

they have NO LEGAL POWERS11

you or i could do the same thing.

 

write threat-o-grams to people

 

dont be frightened by them.

 

they are NOT bailiffs assigned by a court.

 

its what we call a phishing letter to see if they can get a mug to pay who does not know their rights on such things.

 

you've come to the right place

 

dx

[222111]

would the due date 10/07/2007 that would be only last year ,,,

or the unpaid arrears re current account 27/11/2001

[222111]

last time i used the barclays ac**** was over 8 yrs ago ,,,this debt just seams to follow me everywhere ..was first with barclay then with cabot then passed on to this one

[222111]

i,m sure its was around that time ,,i am sure that i have not paid anything to cahoot i only paid at the beginning when i was with barclays but i have not been with barclays for a least 9 yrs

[silverfox1961]

I did notice your other thread about this and the advice is the same.

 

If no money has been paid nor any acknowledgement that any money is owing then the debt is Statute Barred.

 

Send em this

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

 

and send it recorded delivery

[Tartan Barty]

Philips are so up themselves it isn't true. Note how they have the word Baillif in their title and in the letter they state 'commence recovery procedures' trying to make out that they will send the boys round to empty your house and auction your children. Without a court order they can do nowt.

 

dx100uk is quite right, we need to know the last time anything was paid towards this account or the last time you acknowledge the debt; i.e. sent a letter with a payment plan suggestion.

 

Next, NEVER EVER talk to these cretins on the phone, everything in writing and sent recorded sign for (minimum).

 

If there is a clear period of 6 years since the last payment or acknowledgement of the account, then it's statute barred meaning they can ask to be paid but cannot take this to court.

 

If you have paid or acknowlegded the account within the last 6 years and it is for a overdraft (I am guessing that from the current account bit in the letter) then you can send them a prove it letter that is on here somewhere.

 

If this did go to court, and assuming they have all the correct paperwork in place, and you only have ebenfits coming in then you would be unlikely to be paying more than a pound a month and as long as you paid that they could do nothing else. There is no debter prison and if you can't pay then there is nothing you can do so relax.

 

Just make sure there is 6 clear years before you send the statute barred letter!

[222111]

but only been geeting letters from various companys since july 16th july 09 ,,,cabot ,,,then fire financial,,, then the new one philips

[222111]

thinking back i,m 99.9% certain i have never made a payment on this in 6 yrs after barclays i went to abbey national for 8yrs then with my local bank yorkshire for 2 ,,where do i find the satute barred letter please,,

[silverfox1961]

but only been geeting letters from various companys since july 16th july 09 ,,,cabot ,,,then fire financial,,, then the new one philips

 

 

Doesn't matter. I have an account with Barclays which is almost SB. They contacted me in 2004 and nothing since. It's likely Barclays "forgot" you and then did an audit, found you and flogged it to Cabot (or Fire as they are the same company).

 

The Statute Barred clock starts from when you last made a payment and if this was in 2001, they can politely bu**er off.

 

If you are not absolutely sure, we can give you a "prove it" letter instead.

 

I'm going to ask a mod to merge your two threads.

[dx100uk]

dont bother

ignore them

its for them to prove its not statute barred not for you it is

 

you've got a phishing letter thats is all.

esp with the timeline you mentioned

 

ignore them.

 

just to let you know

philips have done the sefl same thing to about 6 other people on here in the last 10 days.

 

if you need reassurance

 

use our search bar and type in philips

you'll soon get the idea.

 

dx

[Tartan Barty]

I am just starting on Philips with an alleged worst cudit account that has been in dispute for 2 years so slightly different but have sent them 2 very kind letters pointing out that they have no powers to do anything and if they or worst crudit want to take me to court then that's fine and I look forward to claiming costs off them!!

[222111]

but is it 6 yrs from the due date of 10.7.2009

 

or from 27.11.2001

[222111]

please can you merge this i put it in the thread twice

[Tartan Barty]

6 years from when you last paid or acknowledged the debt

[222111]

so that would be 2001 thank you tartan,, so where do i find a letter to send to them asking them to prove it

[dx100uk]

ignore them

you send/do anything and a marker of mug awaits will be put on your file.

then they'll up the anti...

 

you'll get another letter from another leecher anyhow till it drops off the phishing list no matter what you do

 

dx

[silverfox1961]

Got your PM

 

This is a link to some letters:

 

The Consumer Forums - Debt collectors

 

Letter 18 is the prove it letter although you don't need to send it as this debt is Statute Barred.

 

If you want more information on SB debts then look at this:

 

Limitation Act 1980 (c. 58)

 

It is hard work to read but it does mean what it says.

[silverfox1961]

The OP has two threads on this issue and is getting confused about what to do so I thought I would put the link up.

 

fox

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/253757-hwlp-wanted-philips-debt.html#post2852487

[dx100uk]

i'll get them merged

 

dx

[Mr lex]

Hi 222111,

 

I have merged you two threads.

 

Tx guys

 

Lex