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Does not pursuing legal action mean unenforceable?

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I don't particularly want to mention any names but if a debt purchaser writes saying they do not intend to pursue legal action 'at this time',

is this another way of indicating a debt is unenforceable without actually saying it?

 

Having shortly before said they were considering pursuing legal action,

I do not know why they would not have simply left it at that

- for no particular reason as far as I can see,

 

 

I then got the letter saying action would not be pursued at this time.

Any thoughts? and thanks in advance

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It could be that they are simply aware that they are out of time in which to take legal action.. eg, the account has passed its 6 year date. It would be wrong of them to imply they could take legal action in these circumstances and could land them in hot water !

 

 

Does the account show on your credit file ?


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I don't particularly want to mention any names but if a debt purchaser writes saying they do not intend to pursue legal action 'at this time', is this another way of indicating a debt is unenforceable without actually saying it?

Having shortly before said they were considering pursuing legal action, I do not know why they would not have simply left it at that - for no particular reason as far as I can see, I then got the letter saying action would not be pursued at this time.

Any thoughts? and thanks in advance

 

It is a numbers game. Even if the debt is legally due and they might succeed in court, it is whether it is worth it. Perhaps they don't have the current capacity to deal with issuing more court claims at the moment. A company like Lowell issue more claims than they can handle and if you look like you will defend they might not bother. They hope to gain a large percentage of CCJ's by default because people don't defend.

 

You might find they sell your debt on and another DCA will write to you.


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Hi citizenB - account is on credit file - unfortunately not yet out of time. I just can't see a debt purchaser saying they would not be pursuing legal action unless for some good reason,they have to - otherwise why do it? Maybe I should ask why - but maybe I shouldn't?

 

Thank you for reply unclebulgaria67 - although I am asked to get in touch to discuss repayment plan,maybe I should just sit on hands fr time being...

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Thank you for reply unclebulgaria67 - although I am asked to get in touch to discuss repayment plan,maybe I should just sit on hands fr time being...

 

You don't need to do anything, unless you receive a court claim.


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whats the debt all about and name names

those two things could well answers why you are getting such a response

no need for secret squirrel now a days


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