Time limit on debt collection???

[Matt5791]

See my thread on the possible criminal implications for a DCA trying to collect time barred debt.

[ODC]

See my thread on the possible criminal implications for a DCA trying to collect time barred debt.

Do post a link

[gerd2901]

Still have the letters folks. Feels good to have scored after having them 'huff and puff' for a few weeks. I wonder how many people were targeted though and how many didnt have the right support. One war at a time I suppose.

 

Again, many thanks for the information and support.

 

Gerard

[ODC]

So yet again the muppets have had to climb down when faced with the law. I just wonder what letters you would still be getting had you chose to ignore them.

[JonCris]

Nice one Gerd !!

 

Make sure you keep the letters in a safe place just in case

 

Good advice as they WILL sell it on hoping to recover some of the money they paid

[Midori]

I have had the same Gerd, what a load of Chancers! I feel like framing all the letters now!

 

Cheers, Midori

[JonCris]

red debt appear to specialise in trying to collect time barred debt - only a matter of time before enough complaints brings them to the attention of the OFT for breaching guidelines

[Rallyfan]

Hi all - I'm new to the site so hope this has landed in the right place !! I have just received a demand from another Scottish based Debt Recovery Agency - Mackenzie Hall ??? stating I owe HFC (original Creditor) nearly £1,500, I have not dealt with HFC for many years prob 14 yrs +, definetly over 6 yrs, should I reply with the 6 yr letter or leave it and see what happens ?? I can't even remember if I left HFC owing money to them or even if they are still trading any ideas ???? thanks.

[ODC]

Igmore them. They will disappear. They are not worth wasting a stamp on.

[Rallyfan]

Mant thanks for your reponse - I will keep my stamps, will post an update if they get back in touch again.......

[JonCris]

If you respond they will try to imply you have acknowledged the debt thereby making it enforceable.

 

Should they contact you again then let us know & we'll tell you what to reply........... Also if they get your tel no NEVER EVER speak to them on the phone WITHOUT the facility to record the conversation otherwise everything in writing

[Rallyfan]

Thanks again for that one - only the one letter so far - I don't seem to be getting any calls from them at the moment, only Allied international ! for a TSB CC (apx 18 months old now)bill I can no longer afford. I don't answer them though - one positive of having number ID on the home phone - just had a number of ansafone messages ! asking me to ring back !! one letter dated the 19 th November arrived the other day stating they would recover the balance via attachment of earnings, placing a legal obligation on my home so that I could not sell it to raise extra money etc - the CC amounts to about 7k. TSB didn't want to know and demanded 199 @ month, I offered £60 - didn't go well and they have passed the debt on to Allied.

[jobmid]

Thanks again for that one - only the one letter so far - I don't seem to be getting any calls from them at the moment, only Allied international ! for a TSB CC (apx 18 months old now)bill I can no longer afford. I don't answer them though - one positive of having number ID on the home phone - just had a number of ansafone messages ! asking me to ring back !! one letter dated the 19 th November arrived the other day stating they would recover the balance via attachment of earnings, placing a legal obligation on my home so that I could not sell it to raise extra money etc - the CC amounts to about 7k. TSB didn't want to know and demanded 199 @ month, I offered £60 - didn't go well and they have passed the debt on to Allied.

 

well if it ever does go to court and you offered 60 pounds the judge would accept that. did u user the budget template letter on this website? DCA's are like a plague I wish they would finnaly be put down. One day I will get my wish.

[Rallyfan]

Hi - TSB just didn't want to know, I sent in a financial statement (my own) with a £60 offer, they wrote back wanting £199 ! even though the statement I sent had virtually no disposable income - I think £60 was my absolute limit, I didn't have the benefit of the site letters at the time as only recently found you all !!

 

Therefore I am now dealing with Allied International - I offered them the same the other day but have had no reply as yet - only a phone message, they don't even know if that is my no asa I have never answered them and don't intend to - letters only !!

 

You are right about the DCA's !!!!!

[Rallyfan]

Hi all - this query follows on from the 15/12/08 and the "old" debt being chased by mackenzie hall (DCA). I have today received a 2nd letter with demand for payment (1.5k) this being a "failure to respond notice" following my dis-regard of the 1st letter. This one states I have until the 20th Jan to settle in full, they say they have obtained my address through a credit ref agency - with a financial link. As previously posted I have not been in contact either by telephone or letter, they have not phoned me either - obviously they do not have my no ! What should I do with it now - phone, write or ignore them ?? I have not heard from the their "Clients" HFC for well over 10 years ?? thanks in anticipation

[JonCris]

10 years!

 

Ignore them. If you don't you'll open the flood gates & they may even try to claim that during any communication that you have admitted the debt thereby making it enforceable............ Certainly DO NOT send them any money even in the form of the £1 payment for a CCA request or the £10 for a SAR cos if you do they will set it against your debt & claim that you have admitted the debt by making a 'payment'

[ODC]

Just ignore them. They are fools and cannot take any action whatsoever

[JonCris]

Forgot to mention this crowd of charlatans have 'bought' up loads of time barred debt & they will send out all kinds of computer generated letters from them, Red Credit & other numerous names each one intended to appear more serious than the last. This gives the false impression that matters are escalating when all it is the same Muppet pushing a different button on his PC

[Rallyfan]

Hey thanks guys - I will ignore them - if ? I get any more "letters" I will let you know, cheers again it's hard to know what to do without your help !!!

[JonCris]

That's the idea.

 

Suggest that you cut their letters into convenient sizes put a bit of string through & hang them on a nail in the bathroom remembering to use them face up:)............. save a few bob in loo rolls;)

 

& oh yes do let us know what they do next we all love a laugh particularly at the expense of a DCA & their eejit employees

[Rallyfan]

LOL - I think that will be the best use for them after all !! will post an update if the Muppets get back to me ..................... thanks egn !!

[Rallyfan]

Hi again - the saga continues (from previous thread) - I have received a letter from Response credit management, "Notification of Outstanding Debt" issued on behalf of mackenzie hall, who originally contacted me ?? BUT demanding half the amount, that MH did !! it states I have 14 days to pay !!! any ideas, should I continue to ignore them ????? maybe if I wait long enough they will give me some money instead !! lol

[ODC]

Time to make a formal Complaint to Muck Hall. You have informed them the debtis Statute Barred. They have passed it on. Report them to East Ayrshire Tradining Standards (Alan Stewart) the OFT and your MP

[noomill060]

Yes ignore!

 

If they are trying to extract a smaller amount from you, that should tell you something...

 

Ignore.

[Rallyfan]

Hi guys thanks for your posts I have not contacted MH or these new DC's at all, I have basically just ignored the demands so far. I have'nt mentioned the debt is statute barred - should I inform both MH and Respnse about time limit ?