Time Barred Debts (Scotland) - Past Due Credit Solutions re British Gas

[MY money!]

In the past few months I've been receiving letters from a company called Past Due Credit Solutions, in relation to an old debt with British Gas.

 

The default date was 21/02/2008 and there has been no contact till recently;

during this time I have made no offer to pay and haven't even acknowledge the debt.

 

I recently sent them a letter regarding the alleged debt now being statute barred,

the content of which was suggested to me by a very helpful CAG forum member,

and which has done the trick with other old debts.

 

Past Due Credit Solutions have just written back and stated that 'the account is still within the 6 years collection period and can still be pursued for payment'

 

The account will be held for 28 days for a response to this letter'.

 

That confuses me, as I'm in Scotland, they're in Scotland,

so I assumed the 5 year time-frame would apply in this case?

 

I'm not sure if they're just chancing their arm,

or if that's a genuine mistake.

 

I realise that it's now very close to the 6 year mark anyway..

.and if they've put a 28 day hold on this, that would take it to just about to the day of the 6 year period.

 

I've drafted another letter reiterating that it's 5 years in Scotland,

and asking them to cease and desist (all the while clearly stating that I'm not acknowledging the debt).

 

But...

.if they ignore this letter...

can I assume that once it hits the 21st February 2014,

that the matter will then be dropped once and for all?

 

I always feel that my posts don't make much sense, and are a bit disjointed and rambling,

so I hope all of this makes some kind of sense to someone out there lol

Edited January 24, 2014 by MY money!
Spelling

[havinastella]

Did you send the normal Stat barred or the Scotland stat barred letter?

[havinastella]

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387433-Statute-Barred-Leter-SCOTLAND

[MY money!]

I sent the one for Scotland, but it's like they've just ignored the distinction I made in the letter.

[havinastella]

Forget them then

 

There's a follow up letter for English Stat barred but not Scottish. I'll ask the question for you.

[citizenB]

We dont have a follow up letter for Scotland, havinastella.. Perhaps just resend the original with a covering note to confirm that you are in Scotland and that time barred is 5 years not 6.

[citizenB]

http://www.nationaldebtline.co.uk/scotland/debt_advice.php

 

This link should take you to the correct page - scroll down to Section 6 sample letters - click on the drop down menu and choose the letter titled..

 

"Disputing liability where a creditor has not contacted for more than 5 years"

 

It is pretty much similar to the one we have in the CAG library - but I would highlight the reference to continued pursuit being classed as harrassment and that they are breaching OFT guidelines.

[MY money!]

thanks everyone for your input....a great help, as always

[dx100uk]

past due credit are fleecers anyway when ever they can attribute

a util company to a debt

 

they think it makes them super bailiffs

[when ofcourse not DCA will EVER have ANY bailiff powers]

for your info onder the billing code...

 

unless british gas has sent YOU a bill in the last 12mts they are stuffed

 

and even then,

they can only charge you the proceeding 12mts usage

as there is none . they cant !!

 

no debt exist to even statute bar anyhow.