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DCAs who send out Statutory Demands purely as a punitive measure / scare tactic


sequenci
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I would be really keen to have all your thoughts on this, i've noticed that more and more agencies are adopting this strategy. I'm about to embark on some work in the day job centered around this and would love to hear opinions and thoughts, especially if it has happened to you.

 

Thanks

 

Seq :)

 

ps - i don't work for a debt collection agency before you ask!

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Hi Sequenci, pleased to see that you have been "upgraded" to a site helper. You know your stuff! ;)

Can't say that I am able in this instance to help with your research, as I do not believe that I have been a lucky (!) recipient!, but does a Statutory demand come as a letter from the DCA/solicitor, and what sort of wording?

Red

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Hi sequenci,

 

 

It would seem from reading many threads on this site, that this is a particular tactic of Ruthbridge. Unfortunately (or rather fortunately) I have not had any personal dealings with this particular company.

 

I have, however had dealings with DG solicitors. These usually send a letter threatening legal action in the first instance. If this letter is ignored, or a payment is not forthcoming, then a second letter threatening legal action and application for an attachment of earnings is then sent. Now should you ignore this second letter, they then send the next letter threatening legal action and an application for a charging order. This is the stage I am currently at, so I do not yet know what the fourth threatening letter may contain!:confused:

 

 

Regards, Jeff.

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I have had 2 from Connaught.

 

Also had 1 from Lowell sent a week after they issued a CCJ claim but before judgement.

 

What sort of info do you need.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Now should you ignore this second letter, they then send the next letter threatening legal action and an application for a charging order.

 

 

If, at the time that you take out a loan, this the intention of a loan company should you default, then shouldn't the interest rate be that of a secured loan rather than an unsecured loan, since they intend to get the outstanding balance + charges secured against your house if you default.

 

I don't see the difference between a secured loan & what they are doing.

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. Now should you ignore this second letter, they then send the next letter threatening legal action and an application for a charging order.

 

how do they know if you own a property?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Meritforce make me laugh, they threaten to seize my assets (haven't got any) arrestment of wages (I don't earn any) and bankruptcy (what, for 200 odd quid??) yeh right!:razz:

 

 

 

 

They can only start bankruptcy proceedings for £750 or more!

 

 

Jeff.

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I have never received a SD so can't comment from that point of view, but I think it's essential to get that SAR and CCA request in as early as possible and start disputing the debt.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have ignored all my SDs up to now as I feel any contact could be taken as acknowledgement of service.

 

I am still here and kicking.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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I have ignored all my SDs up to now as I feel any contact could be taken as acknowledgement of service.

 

I am still here and kicking.

 

 

Hello Belaflat,

 

 

Could you elaborate?

 

How many SD's have you had? How long ago? From which companies?

 

 

Sorry for all the questions!

 

 

Best wishes, Jeff.

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I have had 3 in total, 1 from Lowells and 2 from Connaught.

Connaught sent the first in the form of a simple letter which stated it was a statutory demand etc etc, this was over a year ago.

The second from Connaught was the type which everyone seems to be getting from them, A4, stapled together with little blue triangle and delivered by 2nd class mail and followed up 2 weeks later with a 'Time is running out, contact us now to resolve this' letter.

 

I would add that I have had no contact whatsoever with Connaught so these were total shots in the dark as they have also tried to contact me at 2 other addresses.

 

I will PM details of Lowells as I am in dispute with them at the minute and dont want to give too many details.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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  • 7 months later...
I have had 3 in total, 1 from Lowells and 2 from Connaught.

Connaught sent the first in the form of a simple letter which stated it was a statutory demand etc etc, this was over a year ago.

The second from Connaught was the type which everyone seems to be getting from them, A4, stapled together with little blue triangle and delivered by 2nd class mail and followed up 2 weeks later with a 'Time is running out, contact us now to resolve this' letter.

 

I would add that I have had no contact whatsoever with Connaught so these were total shots in the dark as they have also tried to contact me at 2 other addresses.

 

I will PM details of Lowells as I am in dispute with them at the minute and dont want to give too many details.

 

Hi

 

I have just had a stat demand from Connaught today....exactly the same with the blue triangle....2nd class post,.....

 

 

Im sending them a letter tomorrow for the deed of assignment....

 

Have they chased you anymore with the stat demand????

 

Also my stat demand has come in my maiden name....you think they would get my name right

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Are they real stat demands, or just threats of them?

 

Those things cost about £150 to issue, to seems an expensive tactic if they're using the scattergun approach. Also, if you issue one and don't follow it through with a BR petition, you lose a lot of credibility with the debtor.

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I think you'll find most "stautory demands" are just sent by post. Then again, even a stat demand served by a process server isn't all that expensive. First link you find on internet search is £45 fixed fee.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Are they real stat demands, or just threats of them?

 

Those things cost about £150 to issue, to seems an expensive tactic if they're using the scattergun approach. Also, if you issue one and don't follow it through with a BR petition, you lose a lot of credibility with the debtor.

 

I think they are real.....I found a copy of them on the internet....They look scary when you get one...

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LLoydspain, in order for a statutory demand to be real, it needs to be personally served on the debtor UNLESS a court has allowed substituted service.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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LLoydspain, in order for a statutory demand to be real, it needs to be personally served on the debtor UNLESS a court has allowed substituted service.

 

So the one i got through the post today 2nd class is not real?????

 

Connaught ...would not have gone via the court to get it to me...First I hear they were going to do this to me was last week...a threat...now they have sent me rule 6.1 stat deman 268

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Stat demands must be served by personal service unless a court has ordered substituted service.

 

personally, though, i would always issue a set aside application, since they are free and removes any risk at all.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I had one of these from connaughts, Served them a CCA request, Got the standard reply ''Its being passed back to the orginal creditor'' 1st credit then have a bash at making me pay, Sent a CCA to them, They also confirmed they didnt have it, They were passing it back to HBOS (Who they claim they were acting for), Then Robinson Way come out of the woodwork, Same threats as the other 2 (They also told me on the phone that if i did send a CCA request they would refuse to issue it as they were 100% sure that 1st credit had sent one and thats all the proof they needed), I just laughed and hung up as i already knew that 1st Credit didnt have one. So i sent a CCA request to Robinson Way and heard nothing since. Been about 5-6 months now.

 

All the above were reported for non-compliance to CCA requests. I wonder if they dare try again...

 

i wouldnt have managed all of the above without the help of CAG and its members..

The views expressed on this website are mine alone and don't reflect the views of my employer!

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