Advice Needed

[Steve196]

Hi i am new here so hoping i got the right place to post this....

 

I received a letter from 1st Credit ltd about a week ago saying about a personal matter they wanted to talk to me about,

 

i didn't phone them or anything but

 

instead emailed them asking what it was about and

i didn't give them my DOB or phone number..

.(hopefully did the right thing there)...then

 

today i got another letter and it states the debt on there being one from nearly 8yrs ago next month so

 

should i just ignore this letter or

 

should i reply back to them in a email just stating the ref number and

 

my name and state it is statute barred?

 

Any info would be apprecitated

 

Steve

[cerberusalert]

If you are certain it has been six years or more (five in Scotland) that you last made a payment or written acknowledgement then yes send the SB letter. The onus is then on them to prove that it isn't.

[Steve196]

Yea i am certain i didn't back then pay anything to the debt and it has a year on the letter for the debt dated back to 2007 so could you tell me where this SB draft letter is please and thanyou for the reply

[cerberusalert]

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

 

They may try to say that some mythical payment was made preventing the Statute of Limitations but they would still need to prove it by providing info as to by who, what method & how much.

[Steve196]

thanks for the link and i will keep you updated on the situation,would it be ok emailing them the letter ir is it best to write to them?

[cerberusalert]

Yes you could email it at first then if they continue to pursue send it again snail mail. Just hand it in at the Post Office with the normal stamp on & ask for 'Proof of Posting'... it'll save the recorded delivery charge.

 

If they still continue to pursue without proving it's not SB complain to your local Trading Standards & the OFT because they will be breaching OFT guidelines.

[Steve196]

Ok thanks i will do so now and looked at letter i got today from them in response to a email i sent them and the debt is infact from 2005 not 2007 that i stated

[Steve196]

Just thought i would get on here to say thanks for the help on my 1st credit ltd debt where

 

i did send them the SB letter through email and

 

got a reply today saying they have closed the account and will not be contacting me anymore on the matter

 

but they did put the debt still exsists but i am not worried now

[cerberusalert]

They are correct in a way, the debt does exist.... morally... but it's legally unenforceable. But as we know morality and debt collectors is something of an oxymoron.

[Steve196]

Yep you got a point there...and seems like all my old debts are coming out the wood work now as got a letter from lowell this moring about a debt from 2004 so of course i emailed them the Statute Barred letter and see what response i get from doing so

[cerberusalert]

Lowells bought a shed-load of duff debts, but watch them they are sneaky beggars.

[Steve196]

Yea i will do don't worry,just waiting on a reply from them through email or post which can take upto 28 days so its the waiting game

[Steve196]

Heard from lowell today and

 

they have closed the account,

 

and also got yet another letter from 1stcredit ltd today offering a reduced payment

 

even though in their email it stated they would not send me any more letter's on the matter.

 

i emailed them to say i will have no choice going to trading standards or any other legal person

 

if i recieve any more letters from them concerning the account hopefully they will stop if not trading standards it will be )

[cerberusalert]

Probably a last ditch attempt on their part to try & get some money.