Help please

[jules1977]

Hi can anybody helpme with a question?

 

I have just found out that my parents(in thier wisdom) have wrote to a company on my behalf (even though I did not know) and offered them a token monthly payment. Does this mean that they have now or can this be classed as me acknowleding the debt?

 

ty

 

J

[PriorityOne]

How old is the debt?.... and what is it for (eg. credit card, loan)?

[jules1977]

It was from 2004, and it was for a credit card than a x ran up in my name.

[PriorityOne]

Up until your parents made contact, when was your last payment or written acknowledgement of the debt?

[jules1977]

I will need to dig out the relevant paperwork. If it is older than 6 years can they still say that I have accepted the debt, even though my parents wrote to them not me?

 

Thank you for your quick responses

[jules1977]

I will need to dig out the relevant paperwork. If the last payment was after 6 yrs can they still pursue me even though I have not personally acknowledged the debt?

 

thank you

[PriorityOne]

I will need to dig out the relevant paperwork. If it is older than 6 years can they still say that I have accepted the debt, even though my parents wrote to them not me?

 

Thank you for your quick responses

 

If it is older than 6 years, then it will be stat. barred.... the payment from your parents will have had no bearing on that. Once an account is stat. barred, then it remains stat. barred... Basically, that means that no-one can collect on it anymore.

 

If you can find out and post back, we'll take it from there....

[jules1977]

Thank you, Iam going to check with my dad, as he was the one that wrote to them. He offered them £5 per month but Im not sure if they even took him up on the offer. I will get back to you asap.

 

thanks again

[jules1977]

Hi Just found out that they did not accpept the offer from my parents, infact they declined it. I have not paid anything for at least 6yrs.

[PriorityOne]

Hi Just found out that they did not accpept the offer from my parents, infact they declined it. I have not paid anything for at least 6yrs.

 

Ok.... I've just thought.... was this (decined) offer made over the 'phone or in writing?

 

It doesn't make any difference to it's stat. barred status.... but if the offer was made over the 'phone, wait until they write to you and then send the stat. barred letter in the template library by rec. delivery. If the offer was made in writing and then declined, I'll find the stat. barred letter for you to send now.

 

Sorry... just re-read.... it was in writing. I'll find the letter and post back in a bit.

 

Edited August 24, 2011 by PriorityOne
re-read posts...

[jules1977]

It was sent in writing to them. Is it true that MBNA have gone bust??

[PriorityOne]

It was sent in writing to them. Is it true that MBNA have gone bust??

 

Ok..... here it is:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758-Creditors-and-DCAs-Letter-Templates-amp-Budget-Planner&p=162366&viewfull=1#post162366

 

Head the letter up with "I do not acknowledge any debt to your compnay"..... adapt it to your needs where necessary.... and send by rec. delivery. Make sure you keep the receipt.

 

I've not heard of MBNA going bust... no. Which company is chasing payment on this by the way?

[jules1977]

Hi do you think that I should make them work a bit more by providing all statement of accounts and payments first? That was I will definatley no 100% that it it older than the 6 years??

[PriorityOne]

Hi do you think that I should make them work a bit more by providing all statement of accounts and payments first? That was I will definatley no 100% that it it older than the 6 years??

 

It's for them to prove it's not stat. barred anyway.... not for you to prove it is. if they have any evidence that it's not stat. barred, then they'll send it to you, or we can submit a different kind of request.

 

No worries for now.... send the stat. barred letter above by rec. delivery and see what happens next. Do not have any dealings with them over the 'phone though. If they ring, just hang up or say "in writing only" and hang up.... 'coz people in this dirty little industry will say all sorts of cr*p to make you pay up but they're not so quick to put in writing.

 

[jules1977]

Hi Iam needing two things if anybody can help me?

 

Firstly Iam needing a no access letter for unwanted door step visits and secondly i need to know if anybody has an e-mail address for Iqor debt colectors. These muppets have taken over an alleged debt because wescott couldn't deal with me!!!!

 

ty

 

Julie

[citizenB]

Jules, have moved your post from the CPUTR thread ..

 

You can find draft letters in the CAGlibrary which is linked at the top of the screen. I am unable to help with the email address for IQor.