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Equidebt and Statute Barred card

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Following receipt of a couple of letters from a DCA

I sent them a statute barred letter on 16 May which was signed for on 21 May.

 

At the begining of June I received a further chasing letter saying I had not responded and may take legal proceedings by their solicitors

and may instruct an agent to make an appointment to make a door step visit at home.

 

I sent them the second statute barred letter from your library (thank you) on 9 June which was signed for on 13 June.

 

Today I have received a further chasing letter, albeit offering a 75% reduction dated 20 June.

 

Do I now write to MP, Information commisioners office etc and copy their compliance department.

 

Your advice would be much appreciated.

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You can make a complaint to the OFT. Once you have advised them that the debt is statute barred - they should cease.

 

There is a follow up SB letter where pursuit is continued.. you might want to try that..

 

http://www.consumeractiongroup.co.uk/forum/content.php?420-Letter-to-use-if-a-DCA-still-try-to-collect-after-Statute-Barred

 

HTH


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Today I have received a further chasing letter, albeit offering a 75% reduction dated 20 June.

 

Definitley SB'd and theyre trying to con you into paying whatever they can get from you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Are you just sending these SB letters to the DCAs address

without being addressed to a person who can actually do

something about it?

Such letters should be addressed to the Compliance Manager.

 

 

eg.

 

Dear Sir OR Madam

 

I refer to your letter dated xxxxxx regarding the debt for £xxxx

which you allege is owed by me.

I do not acknowledge any debt to you or any company you

claim to represent.

 

I have previously notified your company formally that any such

alleged debt is STATUTE BARRED and I will not now or in the future

make any payment or offer of payment.

 

I seems I must remind you of the OFT Guidance on Debt Collection

2003/2011 and the sections regarding the pursuit of statute barred

debts.

I now require you to ceass processing,storing or sharing all data relating

to me and to remove it from all your records.

A formal complaint regharding your companys' conduct in this matter

is being made to the OFT.

 

For clarity any further contact from your company WILL be considered harassment

and suitable action WILL be taken.


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Thanks all for your quick responses will send letter on Monday and will update

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pers i think i'd nw ignore them.

 

they were trying to fleece you

 

you called their bluff...i know it SB'ed

dont forget the whole prcess is virtally automated.

they dont read letters

esp on debts they know are dead ducks

 

phishing trip!!

 

 

dx


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Received a reply confirming it is statute barred but the last paragraph said "you still have a moral obligation to pay". What about their moral obligation claiming payment when statute barred. One rule for one.

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Received a reply confirming it is statute barred but the last paragraph said "you still have a moral obligation to pay". What about their moral obligation claiming payment when statute barred. One rule for one.

 

Oh dear and what a DCA knows about morals can be written on the top of a pin head !!

 

They might also want to consider the morals of the people who sell these debts to them!

 

IMHO, I would just ensure you keep that letter safe somewhere.. JIC they return it to the original creditor, who might then pass it on to another DCA. It does happen.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The use of the word 'moral' by a DCA in any context is an oxymoron.


Anthrax alert at debt collectors caused by box of doughnuts

 

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I wonder if I should add a para on morality to my SB letter

and get on me soap box:madgrin:


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I wonder whether DCAs know the difference between immoral & amoral? ;)


Anthrax alert at debt collectors caused by box of doughnuts

 

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Probably can't even spell it:madgrin:


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You have a moral obligation to pay your debt even though it is statute barred, just as they have a moral obligation to have their computer send out meaningless deforestation which is valid even if not read by you, what they fail to understand is that we all know they are as big a joke as the banking industry, they (DCA's) should never be taken seriously, they will never have any authority over anyone.


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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LOL - if i felt like this was entertaining i would write alang the lines of

 

Dear sir

 

in reply to your letter dated ##/##/##, I have a moral obligation to feed and clothe my family and that overrides any "moral" obligation to pay off a statute barred debt.

 

However, I am grateful that you understand what an obligation (moral or otherwise) is, as you will now realise that your obligation is to follow the OFT guidelines and stop chasing a statute barred debt.


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Like the letter - straight to the point. - wonder if they need in picture form.


:mad2::-x:jaw::sad:

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They used to provide these in the DCA's creche (AKA office) but H&S got involved & decided that they shouldn't have sharp pointy things. ;)

 

crayola.jpg


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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They used to provide these in the DCA's creche (AKA office) but H&S got involved & decided that they shouldn't have sharp pointy things. ;)

 

 

So they issued these instead !!

 

bb_cr.jpg


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Now any DCA looking at this will be scratching their head thinking QUOTE" Which Way Up""?


:mad2::-x:jaw::sad:

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Now any DCA looking at this will be scratching their head thinking QUOTE" Which Way Up""?

 

Hmm, wonder if there are instructions in the packet.. ooops.. forgot .. they dont read either :(


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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After a spell of no contact after sending the letter suggested by the brigadier to the compliance manager I have just received a letter offering "huge discounts" and 3 different offers over 12,18 & 24 months. Who can I write to and take forward the harrassment etc. Thanks for any help

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Technically they can periodically ask you nicely if you will pay, but what they cannot do is demand payment or issue a threat of legal action if you don't.

 

If they do issue such a threat you can make a complaint to your local Trading Standards & the OFT.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Seems like someone is not listening or cannot read so,

 

To the Compliance Manager,

 

Ref: use the one on the latest letter.

 

Sir,

 

I refer you to my letter dated xx xx xxxx regarding the status of the alleged debt for £xxxx.xx, as prviously stated I don not acknowledegde any liability for the alleged debt, and THE ALLEGED DEBT IS STATUTE BARRED, therefore I will not be making any payment.

 

I must remind you of the OFT Guidance 2003/2012 and the sections regarding the pursuit of statute barred debt, as you have continued to contact me I am now reporting the conduct of your company to the OFT with a comment on the fitness of it to hold a consumer credit licence.

 

RD this


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Stu, who’s the DCA? Name and shame!

 

(Would also like to point out that no part of me can be found in Tesco burgers)


“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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Stu, who’s the DCA? Name and shame!

(Would also like to point out that no part of me can be found in Tesco burgers)

 

Too tough DB??????????:madgrin:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It is well known that I have no taste.


“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

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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