Jump to content


losingmymind

Opos/Kapama Chasing Statute Barred Debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 496 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I took out a loan with Minicredit for £100 (minus their £20 for a faster deposit, so only £80!) in May 2011.

 

In July 2011 I offered to pay the original loan + one month's interest (£125) but never received a reply, but they did continue to add charges to the amount outstanding right up to them defaulting the account. The account defaulted with all their made up charges at over £800 by September 2011.

 

Opos/Kapama have chased this debt since some time in 2012. They stopped harrassing me by email and voicemail messages (I never pick up) last June 2017.

 

The debt fell off my credit files last September when the debt became Statute Barred.

 

Last week the phone calls started again. They are phoning almost daily and telling my voicemail I have until 8pm the following day to make contact. They are also emailing about my 'outstanding balance' that needs paying in full!

 

I know that this debt is Statute Barred, and if they bothered to read their own paperwork they'd know this too.

 

So, my dilemma is this... do I just ignore them as I have done for 6+ years until they get bored and stop again? Is there anything they can do if they are truly ignorant of the fact this debt is SB?

 

Or, should I let them know this debt is SB and tell them to get lost and not harrass me any further?

 

Any advice gratefully received, thanks.

Share this post


Link to post
Share on other sites

they can ask for payment

you can equally ask them to go away

 

in E&W a debt being SB'd simply means the owner cant enforce a judgement nor threaten court

so they don't bother.

 

if you really want things to stop

and it IS 1000% SB'd

send our CONC SB letter from the debt collection section of our library


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thank you. I am certain it is SB'd, but I'll see how things go before I sock it to 'em with the SB letter/email. Coincidentally, I haven't heard anything from them since I originally posted...hmmm...!

Share this post


Link to post
Share on other sites

If a creditor does try to collect a debt which is statute barred either themselves or with the use of a debt collector this would be deemed as harassment under Section 40(1) of the Administration of Justice Act 1970.

 

You can also inform the FCA of this practice quoting.....

 

CONC7.15

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?426148-CONC-7.15-Statute-barred-debts

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...