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Nolans Solicitors chasing old RBS 'debt' ** SCOTLAND **


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Hi there,

 

First time posting on here, but seems to be lots of great advice!

 

I've today recieved a letter from Nolans Solicitors saying they are collecting on behalf of Hillesden Securities Limited.

 

I don't know whether it is a standard threatogram letter or if I need to take action. The letter seems to be standard I'm that it starts "Dear Sirs" and I'm female! And it goes on to say that I have 7 days to pay or they may take me to court and this will be able to be enforced for 20 years and then gives a list of how I can pay them.

 

It also had a booklet from AIB included which states that it's given to me as I'm going to have legal action taken against me.

 

The thing is I don't actually know what the original debt relates to, as I checked my Noddle credit file and there is nothing on there that has the name Hillesden or for the same amount. Also there are no judgements showing against me at all.

 

After googling I think it may be an old Welcome finance loan which I last paid in 2009 after my local branch shut down. So I believe that it should be statue barred as I'm in Scotland, so 5 years up here.

 

I've got an email address to contact, so does anyone have a template that I can send to say I don't know what the debt relates to and see if they can get me details of what the actual debt is?

 

I'm just worried they go for court action as my husband is currently not working and I couldn't afford to get a wage arrestment, never mind the reaction from my employer!

 

If it's the debt I think it is, how do I prove its statue barred? As I was paying in the branch and previously was DD through an account which is now closed and I have no access to statements.

 

Just really worried as I was just starting to get back on my feet!

 

Any advice is gratefully relieved!

 

 

Thanks

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hold off from replying to them atm, wait for further input.

'may' take action, not 'will'. can you scan up what they've sent, less any identifiables.

re last payment, was that before or after the end of the term of the loan. have you received any notices calling in the loan/outstanding amount. if so, when.

IMO

:-):rant:

 

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Hi,

 

So the letter itself was addressed to "Dear Sirs"..

 

How was the envelope addressed ?

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If the envelope was addressed to you personally, then you could send the following.

 

 

You could just write something along the lines of..

 

Dear Sir or Madam/named person.

 

Any references they have provided

 

I am in receipt of your letter dated DATE.

 

I have no idea what this letter relates to - please provide more detailed information and also a copy of any agreement that would support your claim that there is an outstanding debt for which you believe I am liable.

 

I look forward to hearing from you.

 

Yours etc..

 

Do NOT sign your name PRINT it.

 

 

 

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

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Thanks for the quick responses. I'll get the letter scanned in as soon as I can.

 

It was in an envelope with a window and had my correct name and address on it, but the start of the letter was dear sirs.

 

I'm sure I was paying by DD until I lost my job and I went into the office and made a repayment plan which I stuck to until I could no longer afford it and by that time welcome had gone bust (I think!) and the office closed and I stopped making payments. I had paid off about half the loan I think.

 

I'm sure it's been passed around various DCA's but I've shamefully just ignored them all, so I'm not 100% sure when the default date would be, but I know 100% the last payment was in 2009.

 

That's if this does relate to Welcome Finance, but as I say nothing on Noddle, but Hillesden did do a search in 2014, but nothing since.

 

Thanks again

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the default date, if not before, then shld be soonish after you ceased payments on the prior agreed payment plan.

so, maybe barred.

IMO

:-):rant:

 

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nolans are a powerless lot pers I'd ignore them or send a cca request

 

 

had loads of those on old debts that were near or just over SB date.

 

 

be better if you could pdf those letters and i'll show you several exact copies dating back to 2011

all totally ignore

 

 

if it is to do with a welcome debt

did you ever send welcome an sar?

as I bet 90% of the debt

is reclaimable penalty fees and PPI.

 

 

dx

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... 

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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... 

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I'll need to scan them in an my Mums tomorrow, I just took those as photos on my phone.

 

Thanks for all the advice, I just got really scared as the AIB booklet was in it and it made it seem really serious. I normally just ignore all the threats as they say may and I know they are all nearly or are SB.

 

I've not taken any action on this as I will admit I was young and stupid and buried my head in the sand somewhat, so I've never sent anything to Welcome.

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AIB booklet?

 

 

nolans are pussycats.

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... 

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It's a booklet from the Accountancy in Bankruptcy, I'll scan it in too. I've downloaded an app and converted to PDFs, but no idea how to get them back on here! Lol! And I thought I was good with technology!

 

are you in bankruptcy?

IMO

:-):rant:

 

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Nope, not even close. It's a standard debt advice booklet that you must be issued with before they can take you to court I believe.

 

I don't know if the AIB is a scottish thing then as you've not heard of it.

 

I'm only working on my iPad here, so really struggling to get the PDFs on so you can see what I have received.

 

My stress level has slightly receded since this morning, but still really worried they'll just go straight for a judgement in the sheriff court.

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yeah, maybe a scots thing :) they have to do things differently, for better or for worse? :) yes, not too familiar with scot procedure, but a letter before claim shld be the same, if thats what it was. lets see, take it from there.

dont worry, help will be forthcoming.

 

ps prob no need to scan up the booklet then

IMO

:-):rant:

 

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if its PDF use the go advanced button bottom right

then manage attachments

dx

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... 

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yep std rubbish may/if/but.

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... 

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Share on other sites

So do you think I can just ignore it, or should I reply saying I don't know what it relates to?

 

It was the wee booklet that came with it that worried me more as it made it look like a serious threat.

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no that's the same Scottish EQ of the FCA leaflet they must send with English debts

 

 

totally ignore

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... 

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Thank you so much for your help with this. I'll ignore it now and see what else comes through.

 

Last time I saw one of those booklets was when we got notice served for council tax arrears and they did go for a judgement so that's why I panicked so much.

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well for CTAX they would

and it would have been the sheriff officers that did it not nolans.

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... 

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Yeah it was sheriff officers, got it stopped though as I had been paying and they were issued prematurely.

 

Good to know this is just a typical threat letter. Can't thank you enough for your help.

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  • 3 months later...

Just to update, I got the exact same chain of letters that was posted and now it's gone a bit quiet for now, but no doubt they'll be back soon but I know for sure this is now SB.

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