EQUIDEBT AND INcasso solicitors

[Zozz]

My respect to all gags here

I had some debts since 2002 and the last payment I made was between 2004 and 2005

 

after that my financial status got worse and made no payments at all and never respond to any DCA letter and

 

now we are in 2012 my question

 

is can any debtor or DCA take any legal action against me ?

 

And can they get ccj against me when I believe the debt after six years is statue barred.

 

Recentley EQUIDEBT sending letters regarding the debts every 3 month a letter for the past year

but today I received a letter saying that we have made number of attempt to contact u to set up a payment plan to clear the above debt

but we do not appear to be succesful there fore ur account today been passed to Incasso solicitors.

 

Your case will now be reviewed by Incasso Solicitors fir legal action.

 

Please ensure that you contact them direct on 0845 40419996.

 

Any kind of advice much appreciated thank u

[PGH7447]

if your sure it is stat barred just send the stat barred letter and have done with it

[BRIGADIER2JCS]

My respect to all gags here

I had some debts since 2002 and the last payment I done between 2004 and 2005 after that my financial status gone worse and done no payments at all and never respond to any DCA letter and now we are in 2012 my question is can any debtor or DCA take any legal action against me ? And can they get ccj against me when I believe the debt after six years is statue barred. Recentley EQUIDEBT sending letters regarding the debts every 3 month a letter for the past year but today I received a letter saying that we have made number of attempt to contact u to set up a payment plan to clear the above debt but we do not appear to be succesful there fore ur account today been passed to Incasso solicitors.

Your case will now be reviewed by Incasso Solicitors fir legal action.

Please ensure that you contact them direct on 0845 40419996.

Any kind of advice much appreciated thank u

 

Have you checked your credit files to see if these accounts still show?

 

I you are sure that there has not been any payment or written acknowledgment made to the debt send the following to The Compliance Manager at Equdebt.

 

 

Ref: as on their letter.

 

Dear Sir or Madam,

 

I refer to your letter dated xx xx xxxx in which you allege that I owe a debt for £ xxxxxx, please take note I do not acknowledge debt to Equidebt or any company you may claim to represent.

 

I have taken the oppotunity to research my credit history and have concluded that any such alleged debt is statute barred, given this information I will not now or at anytime in the future mke any payment or offer of payment in regard to the alleged debt.

 

 

You will now cease to process all date you hold regarding myself and remove it from your systems.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2011 and the section regarding the pursuit of statute barred debt.

 

You will confirm in writting that you have complied with my instruction after which no further contact will be tolerated.

 

Final Response.

 

send by recorded delivery.

[Zozz]

Have you checked your credit files to see if these accounts still show?

 

I you are sure that there has not been any payment or written acknowledgment made to the debt send the following to The Compliance Manager at Equdebt.

 

 

Ref: as on their letter.

 

Dear Sir or Madam,

 

I refer to your letter dated xx xx xxxx in which you allege that I owe a debt for £ xxxxxx, please take note I do not acknowledge debt to Equidebt or any company you may claim to represent.

 

I have taken the oppotunity to research my credit history and have concluded that any such alleged debt is statute barred, given this information I will not now or at anytime in the future mke any payment or offer of payment in regard to the alleged debt.

 

 

You will now cease to process all date you hold regarding myself and remove it from your systems.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2011 and the section regarding the pursuit of statute barred debt.

 

You will confirm in writting that you have complied with my instruction after which no further contact will be tolerated.

 

Final Response.

Thank you or your response .

To be honest with you I didnot checked my credit file , but last year I applied in tesco super store for a contract mobile phone through O2 network and they did a credit search nd I been approved.

The other thing this year I did an upgrade but through another network with T mobile and they did credit search again and been approved does that mean tat my credit file is clean? Please advise

[Zozz]

Thank you or your response .

To be honest with you I didnot checked my credit file , but last year I applied in tesco super store for a contract mobile phone through O2 network and they did a credit search nd I been approved.

The other thing this year I did an upgrade but through another network with T mobile and they did credit search again and been approved does that mean tat my credit file is clean? Please advise

[BRIGADIER2JCS]

IMO yes definitely, get that letter sen!!!!

[Zozz]

Thank you very much will do ASAP

[Dotty50]

Thank you or your response .

To be honest with you I didnot checked my credit file , but last year I applied in tesco super store for a contract mobile phone through O2 network and they did a credit search nd I been approved.

The other thing this year I did an upgrade but through another network with T mobile and they did credit search again and been approved does that mean tat my credit file is clean? Please advise

 

IMO yes definitely, get that letter sen!!!!

 

Sorry I have to disagree with the Brig here!

 

I have recently taken out a mobile phone contract for my son and fully expected it to be declined due to my credit file which has been trashed since 2009 but it was accepted without any problem, much to my surprise.

 

I also have a contract for my other son (student) and these are in addition to my own contract which I have had for several years, so maybe mobile companies underwrite applications in a different way.

[BRIGADIER2JCS]

Yes they view things differently especially long term well run conracts.

[Dotty50]

As long as the OP is pre-warned that their credit file may not be 'clean', as expected.

[BRIGADIER2JCS]

I would expect the OP to check anyway.

[Zozz]

ok may be that is true but another thing came up yesterday i went to my bank to deposite some money to pay some bills and tge casheir told me that a credit card is aporoved for u even i didnot apply for it and they get ne the agreement and signed it inside the bank with in 2 minutes and they told me u wi receive ur card wigh in 7 days. now my question here even the bank will accept and or approve credit card for u with out checking ur credit file? and if ur credut file is bad still they will issue u the credit card?

Edited November 27, 2012 by zozz

[BRIGADIER2JCS]

At a premium interest rate????

[Dotty50]

At a premium interest rate????

--- Without a doubt!

 

And it's likely that it's 'approved' subject to underwriting. It's usually somewhere in the smallest print in the agreement that they got you to sign. Did you read it all?

[Zozz]

At a premium interest rate????[/quote

the interest rate is 17.9