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Help with ancient TalkTalk debt and BW Legal


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Hey,

 

I was hoping for a bit of help with a really old Talk Talk debt and BW Legal.

 

The debt is from 2014. I'm not sure that it qualifies as statute barred? I haven't heard off them for years, but within the past 6 months or so, they've been sending me their standard debt collection letters and emails. I have just ignored them and I haven't formally acknowledged the debt. However, recently they've been threatening to issue court proceedings, so I thought I would like to try and get them sorted out.

 

Am I right in thinking that this type of debt it an unregulated debt? As in it wouldn't be covered by the Consumer Credit Act? If that is the case, is there any precedence for doing a SAR request to ask for a copy of an agreement to provide their services? I am assuming that they would rely on some sort of original agreement between myself and Talk Talk to provide services?

 

Would It be worth doing a DSAR instead?

 

I am familiar with doing SARs for consumer debt, like loans and cards, but I haven't done one for a utility debt. Would someone be able to point me in the right direction please?

 

Many thanks 😀

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is this on your credit file?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then simply send them our sb letter from the debt collection section of our library.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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