Nationwide debt - scotcall

[Elffie01]

hi all

 

Just a bit of advice please

 

Out of the blue I have had a visit from Scotcall in relation to Nationwide for £359.84 I wasnt in when they called but they have left a postcard for me to call them

 

I used to be with Nationwide a long time ago, having a current account with them

 

I had no credit cards/loans or even an overdraft on this account so Im aonly assuming these are bank charges

 

So how do I play this ? Its not on my credit record, well not as far as I can see. But obviously they are braying on my door for the money

 

What the next step for me please ?

[renegadeimp]

Ignore them. Completely. Scotcall dont do legit debts. They only take on debts that nobody else will.

[Elffie01]

bit hard to ignore them when they are knocking on the door tbh

 

If it was letter only then yes I agree, but its a hand delivered letter

[renegadeimp]

Not hard at all. They have zero rights. Send scotcall the doorstep collectors letter and if theyre stupid enough to come again, tell them to leave or the police will be called.

 

Don't open the door to them, just tell them and walk away. Don't get into a conversation with them.

[Elffie01]

ahh oki thanks

Never seen the doorstep letter tbh lol

[renegadeimp]

Click the cag library and go right to the bottom

[Elffie01]

found it thanks

 

OK I had a bit of a brain wave moment in the shower...i must spend more time in there lol

 

I had an account removed from my credit report as ii was over 6 yrs the other day 13/9/13 to be exact

 

Just had a look for it on an old report and ta da guess who it is/was

 

Nationwide for the sum of £360 started 06/07/04 default date 13/09/07 debt assigned to CAIS member 01/08/11

 

therefore it came off on the 13/9/13

 

so now what lol

 

Can they still chase this debt?

[BRIGADIER2JCS]

The debt MY be statute barred, you need to know when the last payment or written acknowledgment of the debt, have you made any payments to ANY company in regard to the in the past 6 clear years?

[Elffie01]

i have made no payment or acknowledgement to anyone about this debt ever.

[BRIGADIER2JCS]

They can still chase a statute barred debt, but cannot enforce it in court.

You must send the following to stop them chasing this.

 

The Compliance Scotcall.

 

 

 

Date...............

 

Ref: Use theirs:

 

 

Sir/ Madam,

 

I refer to recent correspondence relating to an alleged debt fir £xxxx.xx , please note I do NOT acknowledge liability for any such debt.

 

I am aware that this alleged debt is STATUTE BARRED and I will NOT there for make any payment now or in the future in regard to this matter.

 

Scotcall is reminded that should the status of the alleged debt is disputed the onus of providing unequivocal proof that it is not statute barred falls entirely upon Scotcall.

 

I data relating to me must now be removed from all records held by Scotcall and any associated company.

 

This is my final response.

 

 

Send recorded signed for post.

[renegadeimp]

Scotcall dont do court, or if they do ive never head of it. They also 99.99% deal in unenforceable debts, or chase bad debts on behalf of others.

[dx100uk]

just remember the any DCA doorstepper are NOT BAILIFFS

they have NO SUCH LEGAL POWERS.

 

never ever pay a doorstepper DCA

and never ever discuss debts on the phone

 

dx

[Elffie01]

thanks guys for the help, much appreciated

 

Will be printing the letter out tomorrow, posting and lets see what happens. Funny how they chasing it now its off my records:???:

[BRIGADIER2JCS]

Until a debt becomes statute barred and they creditor/DCA has been informed in writing that this is the case it matters not that the account is no longer reported on CRA files.

 

SB = not enforceable by court action but the debt still exists and is collectable.