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Hi all,

After being pestered by Philips for a debt which is staute barred, the last payment being made over 7 years ago and no acknowledgement these scumbags decide that they want to have a go at chasing the debt allegedly owed to LTSB on behalf of the Zinc Group.

I want to take this as far as it can go in the regulatory field as these people are utter muppets.

I dont generally phone these people, but thought why not I was in the mood for an argument.

First off I confimed my details and was told that I needed to confirm a telephone number before he could access my account, I told him I was not prepaired to give him my telephone number, replied with well I need one to access the account.

I then suggested I should look through the telephone book and give him a random number, the response was well that is upto you, so I made up a random number and he acepted it.

He asked me if I was paying in full for which I answered the alleged debt it over 6 years old, he asked "SO WHAT DOES THAT MEAN?"

Told them they couldnt collect on this as it was Statute Barred, he replied with that because I have confirmed my details the 6 years would start again, didnt acknowlege any debt.

I know with reading here this is not the fact also no proof has ever been recieved regarding this debt.

I ended up speakiing to a manager called BEN who was not very helpful at all and said the letters would continue.

After doing a bit of research and trading online myself I find on doing a Who Is search their domain registration, it is registered to a none trading individual which is as far as I am aware against Companies House rules and domain registration rules.

Any help with these idiots would be appreciated they will probably be able to tell who I am from my name on here but who cares Im having them for this one, I dont get annoyed easily but this has sent me over boiling point

Thanks in advance

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Theres no shortage of info on the CAG about dealing with Philips,as theres no shortage of guidance as to how you need to respond.

From what you say the debt is stat barred.

As a poster here since 2007 with 116 posts I think maybe you have some ideas how to deal.

Advice on dealing with SB debt has not changed since 2007 !!!


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Plenty of recent threads on here about this lot.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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wooooah hang on here a minute, If this is the response from Site Tem then I'm sorry to have darkened your door. I was only asking for advise, the Aktiv Capital on was for the same debt its been passed on, normally recieve a friendly response,

Edited by simountain1
spelling

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It details how to respond to a similar scenario.

 

Sorry if you didnt view it as friendly-not sure how you came to that conclusion.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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#5 (permalink) postggj

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icon1.gif Re: Aktiv Kapital Help

1 High Street,

Newtown,

Kent

R21 4RH

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Acc/Ref No 4563210025897412

 

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 CPUTR2008

 

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

Mr A N Other


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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To me this looks like the same thing you should be sending to Philips-as advised in your AK thread....that was reason for the memory jog.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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As a poster here since 2007 with 116 posts I think maybe you have some ideas how to deal.

Advice on dealing with SB debt has not changed since 2007 !!!

Ive never had to deal with people like this before this is different to what Im confortable with!!!

Just needed to make sure I was right, with what they are saying about the stat bar starting from scratch again, and where I go to report their dodgy practices

and the letter above I have already sent recorded delivery with the responce of they will continue

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Ok I will leave it to more seasoned Philips posters-so I can go and attend to my dark door.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok I will leave it to more seasoned Philips posters-so I can go and attend to my dark door.

Again theres no need to be sarcastic!!! I havent come here for that

You are supposed to be Site Team? Its about time you behaved like it.

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