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    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
    • They have email and phone - and they could have asked/ emailed me?  The research I have done shows creditor's can use email to serve.   They never asked me where I moved to. The knew they made me homeless but they were regularly communicating other things by email - so they could have asked. They didnt.  No idea how they found the elderly relative. tbh - I don't have a fixed abode.  
    • Do they have an address for you?   if not, how are you expecting them to bring it to your attention? And / or serve it in person??
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nomorestudent

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Please help!! I've just received a letter from the above saying that I owe them £ from a student loan I took out in 1994 - 97. I have had zero contact with anyone about this since at least 1999, and they say they will not accept monthly payments but want the money within 21 days or they will come round and recover goods! I am in a state. I'm afraid i did foolishly call them as wanted to sort this out, but have been reading that I shouldn't have phoned. Can they do this??

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in a word, no they cant do this, they are not bailiffs, stop calling them and wait for thier next begging letter


PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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should I send them a letter telling them it's staute barred and quoting relevant legal comments?

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They actually put in writing that they would come to your house and take your stuff??

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The letter states *DO NOT IGNORE THIS NOTICE, FURTHER ACTION WILL BE TAKEN TO RECOVER THIS DEBT INCLUDING AN AGENT ATTENDING YOUR PROPERTY OR LITIGATION* When I called i said we did not have the money, she said perhaps you can sell something or ask family, I sadi we can't, she said well do you want 21 days to find it? I repeated, we do not have this money, she said ok then I'll tell my manager to start recovery. I then said I cannot speak to you at this moment. It is ridiculous and then put the phone down. I am worried sick :|

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****, I have blown it by admitting it exists haven't I?

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OK, stop speaking to them on the phone. If they call again TELL them to put it in writing and put the phone down. Acknowledgement only counts if you pay or put it in writing.

 

Their letters are designed to scare you into paying, don't be scared. Send them a letter stating the debt is statute barred and you won't be paying. Someone will be along to post a link to the letter template soon enough.

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Thank you. I am actually in tears here.

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Dry your eyes! They are sub-human **** and rely on fear to collect debts.

 

Chin up and feel safe in the knowledge they CANNOT touch you.

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If you didn't defer, make a payment or written admission of the debt for a clear period of six years (five in Scotland) it is Statute Barred... end of. ;)

 

Send this; http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred


Anthrax alert at debt collectors caused by box of doughnuts

 

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Thank you so much. I feel such a moron for phoning them but then I wanted to try my best! I've never had such a horrible response -It's frightening and I'm not usually scared off by such things... I'll send the letter (not signed by hand of course!!) and see what happens

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The CAG mantra is never speak to these people on the 'phone, everything should be in writing.

 

If they do 'phone you must refuse to speak to them and demand that they communicate in writing only. These telephone monkeys have a habit of saying things they would not dare commit to paper. ;)

 

They may come back and say a phantom payment has been made which would prevent it from being SB. The onus is still on them to prove it & provide evidence of by who, when & by what method any alleged payment was made.


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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but can they use that I offered on the phone to try to come to an arrangement as a reason to wipe the 6 years?? if you see what I mean...

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but can they use that I offered on the phone to try to come to an arrangement as a reason to wipe the 6 years?? if you see what I mean...

 

No, they need written evidence. They could have spoken to anyone. ;)

 

Besides, if there was any clear period of six years it would be SB. You could admit it in writing, tattoo it on your bum & display it in Harrods window & it still wouldn't unbar it... nothing can.


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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Oh God, I've now been told by someone that pre 1998 student loans aren't covered by the 6 year bar, but it's 25 years plus they will not write it off if nothing has been paid off it. Basically, I never paid anything, and never even got a chance to defer as no-one has been in contact with me about it since around 1999. I am seriously scared again!!

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The 'old style' loans pre Sept '98 can/do become SB after six years. They are confusing the 'New Style' post Sept '98 which doesn't. ;)


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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