Westcott and unenforceable Barclaycard debt

[roaringgirl]

Ok - so the debt is unen and we have a letter to prove it.

 

Barcalycard give it to Robinson Way - we send them copy of unen letter. Robinson Way send debt back to Barclaycard.

 

Barclacard send debt to Westcott. We send them copy of unen and receive this letter in return.

 

Dear Blah

 

We refer to your recent communication. Having contacted our client they have advised this account is unenforceable under s78 of the Consumer credit Act; however, this does not prevent collection activity. Our client is only unable to take legal action against you.

 

In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made blah blah blah...

 

If in the event you believe you stil have a valid dispute, please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for colletion.

 

Yours

 

****** of the Earth who is brainwashed into believing all the capitalist claptrap.

 

I re-sent copy of unen letter cos I couldn't remember if I had already done so.

 

They ignored it.

 

Now today a letter arrives saying we are going to have a doorstep visit!!!!

 

I rang them, said I was my husband. That threw them! They asked for confirmation of DOB, address, postcode etc which I refused to give. I told the debt was unen and told them to check their records. I guess I wasn't thinking straight cos I should have ignored them. I just don't want a doorstep visit and for them to threaten my kids.

 

What do I do now? Ignore?

[renegadeimp]

Have a read of the doorstep collector letter in cags library.

[roaringgirl]

Fantastic Thank you

[dx100uk]

stop ringing these fleecers.

 

dx

[roaringgirl]

Yes Sir!! Soz!!!!

[BRIGADIER2JCS]

Ok - so the debt is unen and we have a letter to prove it.

 

Barcalycard give it to Robinson Way - we send them copy of unen letter. Robinson Way send debt back to Barclaycard.

 

Barclacard send debt to Westcott. We send them copy of unen and receive this letter in return.:

 

 

The statement made is correct in all parts, the debt is unenforceable via court action BUT still exists, remains payable/collectable by all other methods than enforcement in court, is can be reported to CRAs until the 6th anniversary of the of the default date!

 

Unenforceable does not mean no longer exists.

 

You do not have to speak to any 'doorstep' agent, just refuse to answer security questions and tell them to leave.

[roaringgirl]

Ok - so the debt is unen and we have a letter to prove it.

 

Barcalycard give it to Robinson Way - we send them copy of unen letter. Robinson Way send debt back to Barclaycard.

 

Barclacard send debt to Westcott. We send them copy of unen and receive this letter in return.:

 

 

The statement made is correct in all parts, the debt is unenforceable via court action BUT still exists, remains payable/collectable by all other methods than enforcement in court, is can be reported to CRAs until the 6th anniversary of the of the default date!

 

Unenforceable does not mean no longer exists.

 

You do not have to speak to any 'doorstep' agent, just refuse to answer security questions and tell them to leave.

 

 

Yeah I know all that - just seems a bit pointless on their part if they can't take me to court!

[renegadeimp]

They could take you to court. They just cant enforce it. It's silly really.

[BRIGADIER2JCS]

They could take you to court. They just cant enforce it. It's silly really.

 

Yep, and a CCJ unenforceable or not will stay on credit files for 6 years.

[roaringgirl]

I don't care about a ccj - been living with debt for so long we can't get any credit anyway - makes no difference!

[slick132]

Hi RG,

 

In case you haven't found it, the advice re Doorstep visit is here - http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

[renegadeimp]

Yep, and a CCJ unenforceable or not will stay on credit files for 6 years.

 

The ONLY reason to do it would be vindictive.