Jump to content


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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3122 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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 :razz:

Edited by MY money!
Spelling
Link to post
Share on other sites

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.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

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.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

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.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...