Oh No its started again ..DCA grrrr

[Lester Square]

ive just noticed looking at one of the letters that philips are acting " on behalf of" lowells and dont actually "own" the alleged debt should I be getting in touch with lowells ?they have all my sar stuff and I thought theyd given up on me once they could see that I actually dont owe anything and that the debt is made up entirely of "charges" ?

[Lester Square]

At my wits end and feel its going to get worse ....really stressed out and thats hours before the phonelines open and they start up with their days evil.

[Hardupnotfedup]

Will you pleases please stop worrying about these cretins.

They have no legal powers whatsoever, take the steps Angry cat as suggested

If one of their monkeys turn up just tell them to leave they are trespassing.

Lester take charge of this situation.

[zazen.warrior]

Post removed.

Edited July 29, 2010 by zazen.warrior

[Lester Square]

Will you pleases please stop worrying about these cretins.

They have no legal powers whatsoever, take the steps Angry cat as suggested

If one of their monkeys turn up just tell them to leave they are trespassing.

Lester take charge of this situation.

 

I know its just that I thought this was all over years ago.I followed all the advice on here about sar and cca to the letter dealing with lowells and never heard nothing again and then out of the blue all this.

As im sure you know,its just awful to have some aggressive bullying f*ckwit on the phone trying to threaten you to the point where you feel you cant answer it. I cant help it I actually feel like theyve "got in" . Thankyou for your reassurance .I DO appreciate it .

[jimbo45]

If your last payment was over 6 years ago the debt is STATUTE BARRED and that's the end of it.

 

It's an OFFENCE for anybody to pursue a debt once it's statute barred and never mind throwing the book at them --you can chuck THE WHOLE LIBRARY back in their faces and they will have to bear the costs.

 

They can add a million quid a day charges to it and it wouldn't make any difference.

 

DO NOT ADMIT to the debt since this might be a guise in getting you to do something which stops the debt from becoming statute barred if it is shortly about to become statute barred.

 

You need to know when you last paid anything on this debt -- a SAR for 10 GBP is the best way to proceed on this one since this will have the date of last payment.

 

In any case CCA crappyquest / lowell or whoever the DCA is as well just for "nuisance value" as the chances are they won't have the paperwork available within the legal time period.

 

This will be a VERY WORTHWILE 1 GBP spent.

 

NEVER EVER get stressed out by these **** and bullies -- even if it goes to court a court can't make you pay what you don't have and finally these days the courts seem to be getting a little tired of antics from the DCA's.

 

Incidentally and "Bankruptcy" threats are also nonsense since this will cost THEM a lot of money and can only be done for debts over 750 GBP. The Court will take a dim view of this process being used as scaremongering tactics on smallish amounts of debts.

 

Cheers

jimbo

Edited July 29, 2010 by jimbo45

[Lester Square]

Please stop with the .... .... it makes it very difficult to read. Thank you

 

If they do come to your door and refuse to leave you would be well within your rights to throw a bucket of water (or something) over them whilst you wait for the police to arrive in response to their 'breach of the peace.'

 

I hear you zazen ,no more ....

Thats just the thing though, expecting them at my door,its impacting on my enjoyment of my home and not that im bothered what the neighbours think ( trust me) but id have to deal with it all very publicly within the confines of a shared courtyard.

I feel like ive been invaded by some greedy thief. Surely they wouldnt be stupid enough to "refuse" to leave,like im somehow going to put my hand in my pocket and magically produce 600 quid that I dont owe them. Me,im still fed up about it all immensely and feel that ive had my quiet life taken off me. My phone went earlier and I wouldnt answer it, theres a way that makes you feel . It turned out to be a friend, im reduced to fielding my calls and having to phone folks back ,poor beyond belief.

If theyre that convinced I owe them money and that im a "wont pay", why dont they just take me to court ? Thats actually something id love to ask them.

[Lester Square]

If your last payment was over 6 years ago the debt is STATUTE BARRED and that's the end of it.

 

It's an OFFENCE for anybody to pursue a debt once it's statute barred and never mind throwing the book at them --you can chuck THE WHOLE LIBRARY back in their faces and they will have to bear the costs.

 

They can add a million quid a day charges to it and it wouldn't make any difference.

 

DO NOT ADMIT to the debt since this might be a guise in getting you to do something which stops the debt from becoming statute barred if it is shortly about to become statute barred.

 

You need to know when you last paid anything on this debt -- a SAR for 10 GBP is the best way to proceed on this one since this will have the date of last payment.

 

In any case CCA crappyquest / lowell or whoever the DCA is as well just for "nuisance value" as the chances are they won't have the paperwork available within the legal time period.

 

This will be a VERY WORTHWILE 1 GBP spent.

 

NEVER EVER get stressed out by these **** and bullies -- even if it goes to court a court can't make you pay what you don't have and finally these days the courts seem to be getting a little tired of antics from the DCA's.

 

Incidentally and "Bankruptcy" threats are also nonsense since this will cost THEM a lot of money and can only be done for debts over 750 GBP. The Court will take a dim view of this process being used as scaremongering tactics on smallish amounts of debts.

 

Cheers

jimbo

thanks for that jimbo . Can I just quote you a second . "Even if it goes to court ", I honestly would rather have it dealt with by a court than the swines that are dealing with it right now.I feel that a court would find in my favour ( or at absolute worst make me pay a minimal monthly amount from my benefit) and thats why theyre not getting on with taking me there. Does that sound about right ?

[Hardupnotfedup]

Look we keep going over the same thing here.

Is the debt statued barred or not?

You just keep finding reasons to panic.

If someone knocks at your door and I very much doubt they will pass them the letter through the letterbox and tell them to F.O.

Why do you want to go to court and pay a debt that is SB?

If you want to pay it make them an offer of a sum that you can afford if that is £1 a month so be it.

Just please stop repeating the same thing every time someone advises you.

Follow the advice given.

[Lester Square]

Look we keep going over the same thing here.

Is the debt statued barred or not?

You just keep finding reasons to panic.

If someone knocks at your door and I very much doubt they will pass them the letter through the letterbox and tell them to F.O.

Why do you want to go to court and pay a debt that is SB?

If you want to pay it make them an offer of a sum that you can afford if that is £1 a month so be it.

Just please stop repeating the same thing every time someone advises you.

Follow the advice given.

 

I actually dont think its statute barred ,if it was id just tell them to foxtrot oscar its 3 and a half years since I last heard anything about this ( lowells ) but Iwrote and told them then that I didnt acknowledge any debt to them and did the sar thing at which point I never heard another thing off them.I dont quite know when or who I last made a payment to , I was passed round like an abused child for a bit.

Sorry about the panic thing but I suffer from mental health problems and I do have anxiety/panic attacks, I wish I didnt but I do . Will be sending philips a "disputed account " letter in the morning and telling them I have made an sar request to capital one .Thanks.

[angry cat]

...but I suffer from mental health problems and I do have anxiety/panic attacks, I wish I didnt but I do

 

If that is the case, you should include within your letter that, you are familiar with the;

MALG Guidelines on Good Practice.