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Capquest text msg RE: old bank debt <£100. - statute barred

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I recently got a text, addressing me as two different names (miss **maiden name and double barrelled Married name... I'm now divorced so none are my names now).

 

It said that they'd sent me a letter regarding my debt, and told me to sign in to their online portal with a reference number.

I did this and found that the so-called debt is a very old one to a high street bank for under £100.

 

It's statute barred as I haven't acknowledged it since early 2010.

It was a joint account with my now ex husband and I can only assume that the debt is from a charge that accrued interest and forgotten about.

 

I no longer have the same name, I have no idea what address they hold for me as I've moved three times since then, but I know that neither me nor my ex has touched the account or acknowledged it since 2010.

 

My ex has a DRO in place.

 

I'm assuming I ignore this instead of contacting them?

Even if I did contact them I don't know what address to give them..

 

TIA.

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you must contact them by letter from your correct [current] address.

that way it protects against a backdoor CCJ to any old address they choose

 

send them our statute barred letter from the debt collection section of our library


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Ah right, thank you!

 

So shall I sign it (not my real signature) my current name and not the old name they have on file?

 

I thought though as it's SB they can't sue? So if they apply for a CCJ surely it wood be rejected as I haven't ackowledged it in over 6 years?

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read the SB letter !!

 

doesn't matter if its SB'd as they file to an old address

as nothing is ever checked it would be a rubber stamped judgement whereby no human checks anything

 

dx


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

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Yes, thank you, I'm aware of the SB letter but what I'm saying is what name should I use?

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staple a copy of their letter to the SB letter

use any name you like!!

But legally it should be your name now

don't SIGN anything

as the letter says

TYPE your name


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

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Thank you - read my original post please. They haven't sent a letter. It was a text.

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but you have a ref number use that

or print the text msg.

 

but now block them too


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

spreadsheets 

 

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I understand that as it's statute barred, they can't even apply to sue, and as it's for such a small amount a court wouldn't look at it anyway. They're just trying it on.

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well they can to an old address if you don't inform them in writing of your correct AD


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

spreadsheets 

 

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NO, anyone can sue anyone for any reason, it is only when a judge looks at it will it fail to proceed. You gte a default judgement against you and that becomes a problem. stop arguing and start doing. SB is a cast iron DEFENCE but that means that there is something to defend so dont let it get that far

I understand that as it's statute barred, they can't even apply to sue, and as it's for such a small amount a court wouldn't look at it anyway. They're just trying it on.

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they rang me today, asked for me by two different names and asked me to confirm my address.

 

I told them they had my name wrong and I hadn't been known by either of those names for several years.

 

I have them the first line of my address and when she said it was wrong, I said we'll if you don't hold my current address then it must be a very old debt and I don't acknowledge any debts to you anyway.

 

She said she would phone again and keep sending letters.

I told her that if they do keep sending letters with sensitive data on them to an address they know is not my current address, that they are in breEch of data protection laws and she hung up.

 

I have now sent the SB letter.

Edited by dx100uk
Spacing

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Never speak to a powerless dca on the phone

They are not bailiff s

And have zero legal powers on any debt!!


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

spreadsheets 

 

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I know, that's why I didn't give any details.

I realise they have no power :)

 

I used to advise people on CAG years ago, and help people

. It's been a few years though.

 

I do know not to give details to DCA's especially over the phone,

however it's their phone bill, not mine, and it's quite funny hearing them get frustrated when I inform them of the law and they obviously have limited knowledge of that.

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what was the debt?

 

dx


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

spreadsheets 

 

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