PastDue Credit Solutions chasing me for statue barred debt.

[Ollymursfan]

[ATTACH=CONFIG]56956[/ATTACH]Hi there,

 

This is my first post here.

 

 

Firstly, I live in Scotland and know that after 5 years a debt is statue barred and after 6 years it drops off your credit report.

 

Six and a half years ago I had a 2nd job as an Ann Summers Party Rep.

I didn't pay off the rest of my account with them when I finished parties in Nov 2008.

 

 

Now this company has started to chase me for the money.

This account has NEVER shown on any of my credit reports.

 

I received first letter and as I knew it was over the time frame,

I replied with the statue barred letter from this website.

 

I today received another letter acknowledging my letter

and they have asked me to confirm details with them.

 

What should I do next?

 

I have attached the letters

Thanks for any help.

Edited April 3, 2015 by Ollymursfan

[Guest]

seems no need to give them any details, is either barred or not, surely they can work that out without further details from you, its their claim to prove? why are they asking for data protection info! a barred letter doesnt require such?

[Ollymursfan]

I thought it was odd for them to ask that. I think they are possibly just phishing or stalling but unsure what to do next.

 

The address they provided was a previous address of mine but from almost 5 years ago.

[renegadeimp]

Dont confirm anything. Dont even reply to it. They cant do anything, and a settlement offer means they know very well its a bad debt.

[Guest]

The address they provided was a previous address of mine but from almost 5 years ago.

 

 

that might explain their letter then.

but, imo, ignore atm. let them work things out.

see what others say though

[Ollymursfan]

Do you think I should maybe send the 'prove it' letter?

 

My instinct is to ignore it as I know its over the 6 years so they cant enforce me to pay it.

 

And as its not showing at all and never has showed on any of my credit files, it wouldn't affect my credit rating.

[Guest]

nope, you've already sent the barred letter.

[renegadeimp]

Dont send them anything. As i said, they know its a bad debt which is why they are offering a settlement issue. Even though they know that they could NEVER get a single penny from you, they will still try.

 

Also, if a DCA are continuing to chase you, despite knowing the debt is statute barred, they are in breach of their credit licence, and official guidelines on debt collection. You really need to report them. This isnt a one off thing for you. They do this as their business practice.

[dx100uk]

where were you resident when you started the rep work

[Ollymursfan]

I was living with my parents which was the address prior to the one they asked me about.

[dx100uk]

and was that in Scotland?

 

 

dx

[Ollymursfan]

Yes it was dx

[dx100uk]

then the debt is extinguished, dead, gone , parrot

 

 

it does not exist there is no debt to chase

 

 

dx

[Ollymursfan]

So they are just trying their luck then.

[Ollymursfan]

Thanks everyone

[renegadeimp]

So they are just trying their luck then.

 

Yes, but you need to report it. You could play with them and say " what debt? I live in scotland. No debt exists".

[dx100uk]

So they are just trying their luck then.

 

 

yep just as every DCA does

 

 

pay us some free money that goes direct to our pockets

so we can send out 10'000's more letters to find mugs to fleece

[ericsbrother]

dont waste a stamp on relying, just let them waste their time and report them if they do persist. SB doesnt make the debt disappear, just impossible to enforce so they are entitled to ask you to pay 9until you tell them not to harass you thus). That is the point of the SB letter, they are then instantly aware that their action IS harassment if they continue.

[Ollymursfan]

Thank you very much everyone, hopefully the letters stop then and if they don't then I shall just report them

[dx100uk]

dont waste a stamp on relying, just let them waste their time and report them if they do persist. SB doesnt make the debt disappear, just impossible to enforce so they are entitled to ask you to pay 9until you tell them not to harass you thus). That is the point of the SB letter, they are then instantly aware that their action IS harassment if they continue.

 

 

the op is in Scotland

the debt is EXTINQUISHED TOTALLY

cannot even be chased

 

 

unlike E&W..

 

 

dx

[fkofilee]

I would like to add regardless of it being SB or not SB (See what i did there? ^__^) ... PDCS are a no powers DCA that will NOT take you to court.

Imagine a dog with no fangs... There you go...

 

Ignore it... You dont need to give them any info...

[citizenB]

It is my understanding that unless they are told that the debt is statute barred and the OP will not be making any payment, then they do have the right to pursue. Once the OP has made it quite clear that it is SB and they wont be making payment, then any further pursuit can be classed as harassment !

 

Link to the SB letter for Scotland below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387433-Statute-Barred-Letter-SCOTLAND-**Update-21st-April-2014**

[fkofilee]

It is my understanding that unless they are told that the debt is statute barred and the OP will not be making any payment, then they do have the right to pursue. Once the OP has made it quite clear that it is SB and they wont be making payment, then any further pursuit can be classed as harassment !

 

Link to the SB letter for Scotland below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387433-Statute-Barred-Letter-SCOTLAND-**Update-21st-April-2014**

 

CitB is correct, You must tell them its SB.

[Ollymursfan]

I have, after they sent the first letter I sent the SB letter back then they replied with the letter asking for info.

[renegadeimp]

Then ignore and report them.