ScotCall Threat

[Dingledoodie]

I received a DOORSTEPT COLLECTION NOTICE from a company called ScotCall yesterday. They say it's regarding a bounced cheque for £109.99 from August 2001!!! I've never heard from any other company in the past five-and-half years regarding this apparent debt. I don't recall this cheque or what it may have been for. Nor do I have any of my financial statements from that time which could prove or disprove the debt was mine.

 

A friend recommended that I ignore the letter and don't even call the company, as doing so would mean I admit the debt IS mine. Is this true? Can I just ignore this threat?

 

Please help! Any advice would be most appreciated. I'm currently out of work and this would be a hefty chunk of money to pay out just before Christmas!

[mutzi]

If you have no idea what it is about just ignore them for now. These companies will often chase people with similar names to the debtor. eg all the J. Smith's in the area. It's for them to prove that you owe the money, not for you to disprove.

 

The statute of limitations will kick in after 6 years (5 if your in Scotland) and it becomes unenforceable, they are just chasing the scraps of a debt coming to the end of it's life.

 

Keep any correspondence though, should they persist in chasing you. And your friend is right, never call them, if you do communicate for any reason, do so in writing.

[Dingledoodie]

Thanks for that Mutzi. I'll just ignore it. I really don't have a clue what it coud be about as it was such a long time ago. The creditor is listed as CCS/TRANSAXSCHUH. It means nothing to me.

[ivorbiggun]

Transax is a firm who guarantee cheques written to retailers over the cheque guarantee card limit. They take the risk that the cheque won't bounce.

[Batfink]

And Schuh are a chain of (expensive) shoe shops.

 

They give nice bags though.

[Dingledoodie]

Well, I've bought plenty of shoes at Schuh over the years, but don't recall ever being pulled up about a bad cheque! This has come totally out of the blue!