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    • Well before you can determine if its Statute Barred you need to find out what it is......do they refer to an account number ? If so send them a CCA request section 78...see if that throws any light on the alleged debt.   Andy
    • Hello All - I've received a letter today from Cabot Financial advising that they are passing on a debt to Global Debt Recovery Ltd as they haven't been able to contact me. I haven't received any letters from Cabot for a couple of years and those letters didn't quote any amount like £7000. I haven't ever contacted Cabot either. My address hasn't changed for over 10 years.   The letter states that the outstanding balance is around £7000 and the Original lender according to this letter is SAV Credit. I don't recognise this debt amount as I've never had a credit card with that sort of credit amount (4000 was my max limit) and I don't recognise 'SAV Credit'. I've checked my credit file and nothing new has been added. I have one CCJ granted in 2015 for £3500 which I assume expires at the end of this year.   On the other side of the same letter Global Debt Recovery are asking me to contact them to arrange a repayment on this debt. My financial problems are from around 2012/2013 and I'm sure I was unable to make any repayments to my debts from around that time so I'm assuming that this would make this debt 'statute barred' anyway. I was made redundant a few years ago and I'm on Universal Credit at the moment and have no way of paying this kind of money. I'm not too keen on just ignoring this type of letter as that has caused me problems in the past.   Would appreciate any advice Thank you           
    • mrabody   No loss, just general damages as per Durkin.   The bank has already paid out £750 for the distress and inconvenience they've caused in taking too long to mark the account as settled and passing the debt onto a DCA. However, they would not accept damage to the credit status from 2014 even after admitting that the account should have had a default status and that the same would have fallen off in 2014.   Ill post their letters when I receive the contents of my DSAR.             
    • forget the texts and emails...irrelevant, dont lambast him too hard about doing the right thing by ignoring them.   as to where you go. yours is not the next move. other than gather/await then digest all the info.   dx  
    • It follows criticism that firms take a large proportion of compensation for mis-sold financial products. View the full article
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Red, it's statute barred


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I recieved a letter from red for a statute barred debt.

 

The last i heard of this was from Brian Carter and fredericksons.

Saw him off after he threatened court action.

 

No default notice or CCA, from cap one.

 

Looks like it's been sold on even though it's been put into dispute.

 

Someone at red is not going to get their commision this month:violin:

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Someone at red is not going to get their commision this month:violin:

 

Shucks :whoo:

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Excellent, give them a ring saying how sorry you are that you owe them money, and that if they can wait awhile your due to have an OP to remove one of your kidneys, once you've sold it tell them you can pay them then, and if it isn't enough to cover the debt they say you owe, tell them you will sell some of your gold teeth too!

 

Lowell, a Laugh a minute, I do so hope they have been so foolish as to mark your credit file? £1000 in your sky rocket, cheers muppets.

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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Whats the going for a kindey these days BB,i know my gold teeth will fetch a tidy sum lol.

 

I have'nt checked my credit file,must do that,the original default dropped off in september this year.

I could do with £1000 right now.

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Carter sometimes seems to use Lowell (Red) for collection. Sure it’s not still Carter under another guise? The numpty is a masochist.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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I wonder how old he is? I hope it gets reported in the press when he pops his clogs so we can pay our respect....:rip::whoo::cheer2::amen:

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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Carter sometimes seems to use Lowell (Red) for collection. Sure it’s not still Carter under another guise? The numpty is a masochist.

 

It may well be him, if it is he's not threatening court action whitch is the usual tactic ,Maybe i'll nip to ann summers and send him handcuffs and a whip and tie a copy of the statute barred letter to them.

 

Sometimes i wish my imagination were'nt so vivid..............yuk

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