Global Debt Recovery, is this a con

[Staraker]

The debt doesn't disappear when it becomes statute barred, it means that they can't use the legal system to force payment.

 

The debt is still there and always remains so and they can chase for it if they want. You just don't have to pay it until such time as they come up with a way of enforcing it in the courts which they no doubt will do one day.

 

The latter is probably why I'd personally be wary of resorting to a SB response as an easier option than actually fighting/proving a false identification.

[Staraker]

This can only be SB as the only thing that it would be is an unauthorised OD which I have never been contacted for Lloyds should be ashamed of themselves for selling this debt on as they have never made any request of me. I closed the account in branch so surely they would have asked me to clear anything that was on the account.

Presumably you don't still have any statements/paperwork from that time?

[brett31]

No I was only about 16 at the time so I did not really keep records of things like this at the time. I would still however of expected the bank to decline closing the account if I had an outstanding balance with them.

[brett31]

Does anyone have GDR's Address. For some reason they dont want to give it out.

 

lol just anonother stalling tactic from these A*******s

[unclebulgaria67]

No I was only about 16 at the time so I did not really keep records of things like this at the time. I would still however of expected the bank to decline closing the account if I had an outstanding balance with them.

 

16 at the time, so not eligible for any form of credit and therefore this is a ficticious debt ?

 

When I ever send letters, I enclose a copy of the letter they sent, so it is easier for them to find their records.

 

Registered address.

66-70 Coombe Road, New Malden, Surrey, KT3 4QW

[citizenB]

Does anyone have GDR's Address. For some reason they dont want to give it out.

 

lol just anonother stalling tactic from these A*******s

 

Oh dear, is their head office address not on their letter head ?

 

If not, please send copy to Company's house

[brett31]

Unfortunately (or fortunately) I have never received anything in writing from GDR as they dont know my current address.

 

This is the reason why I mentioned should I get a mailbox or PO Box earlier as really dont want these losers stuffing with my credit.

 

It was also my thought that this would be unforceable as I was under 18 when I banked with Lloyds, but not really sure of the exact ruleing on this.

[unclebulgaria67]

Unfortunately (or fortunately) I have never received anything in writing from GDR as they dont know my current address.

 

This is the reason why I mentioned should I get a mailbox or PO Box earlier as really dont want these losers stuffing with my credit.

 

It was also my thought that this would be unforceable as I was under 18 when I banked with Lloyds, but not really sure of the exact ruleing on this.

 

In that case, if is purely a phone call, then just ignore them. Wait for them to write to you and then send the SB letter.

 

Under 18 you cannot enter into any financial arrangement that involved credit. You would not be able to go overdrawn and therefore could not incur charges. So I don't know what you would have had with Lloyds for you to owe them any money.

[brett31]

Thanks for the advise there uncle bulgaria.

 

As I said I had thought this may be the case and will defo hit the f*****s with that when they call or write.

 

I've refused to give them my address so dought i'll actually get any letters.

 

I've already told them no phone calls but don't expect them to actually listen.

[citizenB]

So if they dont have your address, how have they contacted you ?

[brett31]

Only been contacted by them on the phone.

 

The guy tries to be threatening and says I wont let him speak and that i'm commiting fraud and that he is not paid to take this.

 

I've told him for a DCA he's a bit of a wimp and a coward which he does not seem to like lol

[citizenB]

Only been contacted by them on the phone.

 

The guy tries to be threatening and says I wont let him speak and that i'm commiting fraud and that he is not paid to take this.

 

I've told him for a DCA he's a bit of a wimp and a coward which he does not seem to like lol

 

 

Yes, he had better get used to it.. !!

 

Righto.. Then I think that does pose a problem if you want to write a letter advising the debt is statute barred. How easy is it to set up a post office box address and is it expensive ?

[Bandit127]

How easy is it to set up a post office box address and is it expensive ?

Hmm, seems to be £185 + VAT (£222) per year and takes 2 weeks to set up.

http://www.royalmail.com/customer-service/customers-you-want-know-po-boxes

 

Better off giving them a friend/family address and telling them that this is the postal address but it is not your residential address. IMO.

[brett31]

I'll just put on it that the address provided is a postal address and not my residence.

 

Thanks for the advise guys

[Learnerlitigator]

Can they put an SB debt on the CRA files?

[citizenB]

Can they put an SB debt on the CRA files?

 

No

[huggy41]

I've told him for a DCA he's a bit of a wimp and a coward which he does not seem to like

 

 

[brett31]

Won't let the B******s ittimimidate me.

 

Give a taste of there own medicine, thet really dont like it.

[Conniff]

Won't let the B******s ittimimidate me.

 

Give a taste of there own medicine, thet really dont like it.

 

They said something similar on Dads Army - 'they don't like it up em'

[CHRIS44G]

It`s easy to trace your real address from a Royal Mail PO Box as the Post Office have to give it out if asked, so be careful.

[brett31]

TBH I think i'll just ignore them as know there just trying it on and they wont get anything out of me.

[Bandit127]

TBH I think i'll just ignore them as know there just trying it on and they wont get anything out of me.

Hmm. I would agree IF... You could keep an eye on the post from them.

 

However, if you miss a letter before action and a CCJ application they will get judgement by default. A new debt is created that is not SB. You will have to pay. The system sucks in that the first time they do a search to update your address through all of this is just before they send the judgement out. I have read so many accounts of people that have the first notice of any action being the judgement letter being delivered.

 

In your case, the ignore strategy might not be the best one.

[brett31]

That would possibly be the case if this were not a debt I have no knowledge of and is apparently from 98-2000.

 

I'd have been a minor so could not have entered into a CCA.

[Bandit127]

That would possibly be the case if this were not a debt I have no knowledge of and is apparently from 98-2000.

 

I'd have been a minor so could not have entered into a CCA.

Sorry to be picky, but both of the above are very good defences to a claim.

 

If a creditor makes a claim and the court do not hear from you then they will not examine the facts. Judgment by default will be entered and they will have a new debt that they can chase you for.

 

It doesn't work like a magistrates court where they can try a case in your absence and the "evidence" is assessed before judgment is made.

 

If you don't defend you will get a judgment against you. No matter how unfair that is.

 

To defend you must know about a claim.

 

To know about a claim you must be able to keep an eye on the post.

Edited August 28, 2012 by Bandit127

[caledfwlch]

Sorry to be picky, but both of the above are very good defences to a claim.

 

If a creditor makes a claim and the court do not hear from you then they will not examine the facts. Judgment by default will be entered and they will have a new debt that they can chase you for.

 

It doesn't work like a magistrates court where they can try a case in your absence and the "evidence" is assessed before judgment is made.

 

If you don't defend you will get a judgment against you. No matter how unfair that is.

 

To defend you must know about a claim.

 

To know about a claim you must be able to keep an eye on the post.

 

A CCJ snuck in by default on an SB debt would be elementary to have Overturned/Set Aside, it does not lead that the OP would have no choice but then to pay. Best to keep an eye out to ensure they don't try it on, to save the hassle, but it would absolutely be set asidable, and also incredibly easy to defend if notice given.