Statue Barred? Ferratum

[dx100uk]

you ignore powerless DCA's totally

 

who is their stated client?

 

dx

 

[dx100uk]

you should always be blocking and bouncing all emails regarding debt

same as phonecalls.

 

deal with the OC as they still own the debt.

 

the fact that the default has reached its 6th birthday

whereby it and the account gets removed from your file is immaterial to if a debt is statute barred or not as you might have paid after the default was registered.

 

so you need to workout your last payment date.

and have you moved since taking this PDL out too?

 

 

dx

 

 

[dx100uk]

its unusual for OC's to chase statute barred debts lets put it that way

but

theres nothing to say they haven't a clue CRS are doing this

it could well be CRS are after free money for their xmas party drinks and think that by sending people out a few free emails

some mug might know no better and donate to them.

 

 

[dx100uk]

What part of never use email

Never communicate with a powerless dca hasnt been understood?

 

If you want to do anything which you should as it also protects your backdoor if the debt were to be sold and a DCA were to litigate as it stands..send our sb letter from the debt collection section of our library

 

Thats goes to the oc as they still own the debt

[dx100uk]

you mean a letter of claim?

 

dx

 

[dx100uk]

images/posts removed
.
please do not post jpg picture images directly to a post
.
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only

.
that way only logged-in,registered and approved caggers are the only ones that can download and see them
.
else anyone can see them caggers or not.

 

 

[dx100uk]

no ofcourse not, but they'll try and scare you.

who did you send the SB letter too?

 

[dx100uk]

Just type..we know what we have said..

 

Three times i said send it to the oc...ignore the dca

And you wasted money on recorded delivery..

 

just use 1st class with free proof of posting from any po counter

[dx100uk]

the debt is statute barred

 

dx

 

[dx100uk]

the debt is statute barred

 

only the debt owner can issue a letter of claim or a court claim. via a solicitor

original creditors do not do court.

 

dx

 

[dx100uk]

told you all this in post 2 

[dx100uk]

no they cant bring it back .

Default has past 6yrs

 

 

[dx100uk]

little point in ever complaining to credit file provider

ferratum is your target.

the debt was defaulted more than 6yrs ago

and should now not be showing.

 

WRITE and give them 14 days to remove the new default and the whole account else you will raise a serious complaint with the ICO and seek financial compensation for the damage to your credit worthiness - without further notice.

[dx100uk]

my simple 2 lines is all you need

 

 

[dx100uk]

there was no new agreement so no new default is applicable.

 

 

 

[dx100uk]

you don't need to keep hitting quote

just type in the box..

 

dx

 

[dx100uk]

so what did the ICO say when you complained to them the OC has re registered a debt already defaulted in 2013?

[dx100uk]

you only needed to upload proof of original DN and complain the account should not now be showing as the defaulted date is over it's 6th birthday

 

one simple line was all you needed.

 

dx