Scotcall Doorstep Letter***RESULT***

[undernie]

Hi All,

 

Back again for more advice from you great people.

 

Have had a letter from ScotCall this morning threatening doorstep visit for an old SB Debt which they are trying to collect on behalf of Activ Capital.

 

Just a bit of history: Aktiv Capital have been passing around an old debt for sometime now, via Equidebt, Buchanan Clark and Wells etc. The ususal. Threatening letters from both which I ignored, then letters offering substantial discounts etc. I ignored all, and they disappeared. I always waited to see what they were going to do next before actually doing anything and because they all disappeared I didn't bother.

 

I knew it would only be a matter of time before they passed it on to another, which obviously, is now ScotCall. Never had a doorstep threat-o-gram before though so thought I would re-post.

 

This debt they are chasing would have officially become SB in 2007. I am a member of all the main credit reference agencies, Equifax, Experian and Call Credit. The debt is not showing on any of my files and I can see that my files were refreshed in 2007. I have never acknowledged the debt in any way since 2001 so I know it is definitely be SB.

 

For ScotCall though, should I send off one of Brig's simple SB letters or the full one? And should I include a doorstep related letter in the same envelope? Or should I just continue to ignore? Don't really want the neighbours knowing about all of this if they are going to call round. I've read that sometimes they will ask your neighbours about you?

 

Thanks in advance as always.

[Consumer dude]

Hi All,

 

Back again for more advice from you great people.

 

Have had a letter from ScotCall this morning threatening doorstep visit for an old SB Debt which they are trying to collect on behalf of Activ Capital.

 

Just a bit of history: Aktiv Capital have been passing around an old debt for sometime now, via Equidebt, Buchanan Clark and Wells etc. The ususal. Threatening letters from both which I ignored, then letters offering substantial discounts etc. I ignored all, and they disappeared. I always waited to see what they were going to do next before actually doing anything and because they all disappeared I didn't bother.

 

I knew it would only be a matter of time before they passed it on to another, which obviously, is now ScotCall. Never had a doorstep threat-o-gram before though so thought I would re-post.

 

This debt they are chasing would have officially become SB in 2007. I am a member of all the main credit reference agencies, Equifax, Experian and Call Credit. The debt is not showing on any of my files and I can see that my files were refreshed in 2007. I have never acknowledged the debt in any way since 2001 so I know it is definitely be SB.

 

For ScotCall though, should I send off one of Brig's simple SB letters or the full one? And should I include a doorstep related letter in the same envelope? Or should I just continue to ignore? Don't really want the neighbours knowing about all of this if they are going to call round. I've read that sometimes they will ask your neighbours about you?

 

Thanks in advance as always.

 

You could send then in the first instance a formal letter withdrawing the right of access to your door..

[bigshoes...bigsocks]

I'd have thought a simple SB letter would suffice. You can also revoke Common Law regarding them calling at your property and request all future correspondence (if any) to be in writing.

[undernie]

Thanks for your replies people:-). Is it the doorstep letter you are referring to? And should I send the SB letter with it in the same envelope? Or better still make it part of the same letter?

Edited September 8, 2012 by undernie

[MARTIN3030]

No reason why not.

[theratboy]

I emailed them

 

Before reporting you to the OFT thought i'd give you the chance to explain why you are sending out threatening letters regarding an alleged debt that your fellow bottom feeders in kilmarnock were advised is statute barred in may 2011

your response is eagerly awaited

good Afternoon

Thanks for attached, this account was passed to ourselves by our client CABOT FINANCIAL , in view of the content we will return this account to them noting your comments and you should hear no more from ScotCall concerning this account.

[Stigman]

Keep the email just in-case anything surfaces in the future.

 

Stigman

[undernie]

Thing is though, that I haven't actually written to any of them before pointing out the statute barred status. Can I do this via e-mail then instead of post? i.e. just type out in an e-mail the letter I would have posted to them? I was under the impression you have to do it in writing by post and send it recorded delivery for proof it was received?

[renegadeimp]

You can do, but make sure it is CC'd to your email address or another one, so the headers prove that it was sent, should the DCA try to say otherwise.

[undernie]

Sorry renegade not quite sure what you mean by make sure it's CC'd to my e-mail address?

[renegadeimp]

When you send an email, there will normally be another box near the place you put the recipients address, that says CC address. CC means carbon copy. Some email providers will let you use colons or commas to separate addresses. If you send an email, you need to do this to prove 100% that the message was indeed sent and you therefore have a pristine copy should a DCA try to change it and say you said something different. We've seen it a few times in the PDL forums on this site.

[undernie]

Okay, thanks for clearing that up. So, really, to avoid any such confusion or problems later, would it really be safer if I send a recorded delivery letter by post instead?

[renegadeimp]

If you want to yes, but that will incur a cost to you.

[bigshoes...bigsocks]

Most DCA's will send an automated receipt for your email with some blurb that it'll be looked into.

[undernie]

Okay yeah, many thanks you peeps for helping out and taking the time to read my replies. I think I will try e-mail first and see how I get on with them. If I have any problems I am sure I will be back.

[renegadeimp]

Just remember, that in almost all circumstances, an email acts just like a letter in the eyes of the law.

 

However, for all legal requests, such as lba's/SAR's or CCA requests, it is much better to send the request or statement by "snail mail".

[undernie]

Oh just a thought, can you tell me which e-mail address you used for Scotcall theratboy? The only one I can see for them is [email protected]. Also did you just send your e-mail or specifically mention The Compliance Manager?

[theratboy]

Hi, I sent my email to [email protected] , which must have been the email address on the letter i recieved (don't have the letter to hand at the moment) and recieved the reply same day if i remember correctly.

[undernie]

Thanks mate. They didn't put that on my letter! There's no e-mail contact addy at all. I wonder why?

 

In any case, I have decided to skip the e-mail after reading other threads and just go with the recorded delivery post.

 

Thanks though for all your advice and I will post back when/if I get a reply from them.

[undernie]

Hi All

 

Just to update people. I posted off the SB/Doorstep letter to Scotcall.

 

I basically got a reply from them saying that they have noted my dispute and closed the account. I will not be hearing from them again regarding the account but that they are sending the account back to Aktiv/BCW group and that if I want more info to contact them directly.

 

I am just gonna wait and see which one I hear from next, if at all, and then go from there.

 

Just thought I would let you all know.

[renegadeimp]

If scotcall have sent it back, then the debts well and truely unenforceable. They are one of the lowest forms of dca there are.

[wiseajak]

hi i new to this but as far as i know they can only come to you doorstep if they have an appointment (OFT rules) and if u do not wish to make and appt with them u dont have to, withdraw their implied right of access, they have very little power. if they do come knocking on ur door after u have done this u can call the police and have them upp for tresspassing.

 

all the best

[undernie]

Yes, I know, I have already written to them about all of that and they have stopped chasing this debt. I was just updating the thread so that other readers can see what the outcome was. There is nothing worse than reading threads and not knowing how the person ever eventually got on with their case.

[MARTIN3030]

I will mark the thread as sorted.