Time limit on debt collection???

[Rallyfan]

Hi again - more advice please ! MucK Hall have now sent (carrying on from the above threads) another "letter" to me resembling a P45 with tear off edges - inside stating that they have had no response from me and unless I contact them in 7 days ? they will send "field collectors"

any pointers...................thanks.

[ODC]

Tell them you dont own any fields.

 

 

Seriously this is just more BOVINE EXCREMENT from the Kilmarnock Cowboys

[Rallyfan]

Thanks ODC - I will ignore it until the other "joke" mail arrives from them !!! who do they think they are ? the FBI.

[ODC]

They are NOBODIES with absolutely no legal powers whatsoever.

[Rallyfan]

Hi again - another letter from Muck Hall ! this time stating this is the final offer as the "Client" has reduced the amount outstanding by around £300 and this is a "generous" offer !!! LOL. The offer is "time barred" and won't be made again !! I guess just like the Debt itself .

 

and kindly included a direct debit mandate for me to sign......whats odd though is that the balance they want (same ref no) varies from around £650 to £1,472 and now the generous discount to £1,100 !!

 

Shall I ignore this one also .

[Nottsdave]

hmmmmmmmmmmmmm me thinks so

[ODC]

Ignore anything from Muck Hall.

[Rallyfan]

thankyou for the advice guys - kind regards RF

[JonCris]

Yes ignore them.

 

Incidentally they put the bit in about it being 'time barred' not because IT IS time barred but in the hope that should the OFT jump on their necks they can claim they told you the debt was time barred ........so no harm done Eh gov..........otherwise why not just say, as is normal, "this offer is 'time limited to x days

[Rallyfan]

thankyou JonCris - I will continue to ignore them ! it must be the 5th letter I've had ! - Probably won't be the last take care RF

[JonCris]

Really confuse 'em & return their letters 'Gone Away'. If they can try to confuse you why not you them:D

[titmus]

I have an outstanding debt that dates from 2003, I receive letters every so often from different collection agencies but have not responded.

 

My Experian report says that the default was on 30th Sept 2003.

 

Does that mean if I don't do anything till October this year, the debt is unenforceable?

[havinastella]

I have an outstanding debt that dates from 2003, I receive letters every so often from different collection agencies but have not responded.

 

My Experian report says that the default was on 30th Sept 2003.

 

Does that mean if I don't do anything till October this year, the debt is unenforceable?

 

NO.

 

Thats the date the default was put on the account, the last payment would have probably been at least 3 months before this!

 

Remember it's stat barred from the last payment, not the default.

 

Jogs

[titmus]

Thanks for that, but just to clarify.

 

I had another debt that has a default date of 16 July 03 on the Experian report, but I have a note that I made a payment as part of an agreed repayment plan in Jan 04.

 

When does the 6 year clock start ticking from, the default date or the last repayment date?

[havinastella]

Thanks for that, but just to clarify.

 

I had another debt that has a default date of 16 July 03 on the Experian report, but I have a note that I made a payment as part of an agreed repayment plan in Jan 04.

 

When does the 6 year clock start ticking from, the default date or the last repayment date?

 

 

Last Payment!

 

JOgs

[titmus]

Thanks for the help.

 

And so quick!

[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 !!!

 

 

Hi Guys , Not been on for a while (so things must have looked up !!) BUT I have had another letter regarding this old debt, this time not from Muck Hall but from "Meritforce" Door Step "Collectioneers", based again in Scotland, letter headed "AUTHORISED COLLECTOR VISIT" - they have given me until the 25th May to pay up, stating they are acting for Mackenzie Hall ??? is this another "ignore" letter - thanks in advance - RF

[ODC]

It will hardly surprise you to learn that Meritfarce are part of the Muck Hall shower

[Rallyfan]

Thanks for that - I thought my address was showing the same house number mistake that the Muck Hall stuff did?? flippin "Inbreds"..........ignore then !!

[kingdymond]

i received a letter yesterday from debt collecting agency concerning a loan account with abbey.although i held an account with them it was not a loan account.the debt collection agency say cant give me any information except to say was from 1994.this is first correspondence concerning this matter.what do i do?

[ODC]

Thank them very much for confirming the alleged debt is Statute Barred and to leave you alone.

[sam614]

i received a letter yesterday from debt collecting agency concerning a loan account with abbey.although i held an account with them it was not a loan account.the debt collection agency say cant give me any information except to say was from 1994.this is first correspondence concerning this matter.what do i do?

 

 

hi, welcome to cag.

as ODC says statute barred.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

 

send them a copy of this.

print name.do not sign

 

SAM

[Pinnywinch]

I'm glad I came and looked at this page. I've started getting nasty letters from a firm that I last had dealings with 11 years ago threatening to come and take all my possessions. My partner was getting miffed with me (to say the least) but I am not sure where the debt has even come from!!! I only know it was that long ago as I reverted to my maiden name 11 years ago and this debt is in my married name. I was beginning to panic at the thought of them coming here - but I have just telephoned them and told them that no one of that name lives here - which is true. If they send another letter I will let them know that I know the law this time! Would they even turn up at the door or is it all threats?

[peter simms]

I once got a letter from red ref an old phone bill. I knew it was past the date that they could claim it so I replied asking for details of all letters between me and the people I owed the money to. they replied with a letter saying something like "sorry, we contacted you by mistake".

I've now (today) got a letter from lowell, asking if I once lived at another address, which I did. I'm not replying to it, just going to wait and see what happens next. I'll keep you all imformed

[Hardupnotfedup]

I once got a letter from red ref an old phone bill. I knew it was past the date that they could claim it so I replied asking for details of all letters between me and the people I owed the money to. they replied with a letter saying something like "sorry, we contacted you by mistake".

I've now (today) got a letter from lowell, asking if I once lived at another address, which I did. I'm not replying to it, just going to wait and see what happens next. I'll keep you all imformed

 

This thread is 7 years old