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Bramber Debt Recovery


mallard
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Hi this is my first post on here....

 

I have been getting phone calls from bramber debt recovery about a debt from 1999-2000. anyways i have been mainly ignoring the phone and letters that have been sending.

I looked on these forums abut being statute barred as i hadnt made any payment or written to them for over six years.I found the statute barred letter on here and sent that off to them.A week later they send a letter back saying ...

" We can confirm that your account is statute barred however we can see from our records you contacted us on 29th december 2006 and confirmed you were aware the debt" ( this was by phone and not a written letter and was after six years had passed)

"We contacted you on the 18th January 007 an you agreed you would pay back £50 a month to commence on the 12th February 2007 via direct debit., you requested we contact you the next day to advise us of your bank details.Despite numerous messages and letters you failed to respond.Unfortunately we cannot confirm the matter is closed due to the account has not been satisfied"

 

Does this mean I ill have to pay the debt ? And will they continue to try to contact me by phone?

 

Any help would be appreciated!!!

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I stand to be corrected but I think...

Unless you acknowledge in writing within the 6 year time scale, there isn't much they can do..

 

I stand to be corrected if I am wrong.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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  • 1 year later...

hi first timer here, don't know what im doin but here goes.a letter i have just recieved fro Bamber DR says they are now in the process of advising their client to commence Bankruptcy proceedings against me . I owe MBNA £1200 (which is now £1700). Im scared now of what happens next does anyone know .what happens if i am declared bankrupt cos god only knows ive got nothin anyway.cheers guys .:confused:

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Hello shorty,

 

Welcome to CAG. You've come to the right place. Can you start your own thread about this so we can help you better?

 

For now, the bankruptcy threats are almost certainly bluff, as if you don't have assets it will cost them more to petition for your bankruptcy than they will ever see back from it. It is a standard frightening tactic.

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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mallard,

 

Your alleged debt is staute barred, and they have admitted as much. Once a six year period has elapsed with no acknowledgement or payments being made, then a debt is statute barred for good. It doesn't matter what you may have said in a telephone conversation.

 

Also, it is againt the OFT guidance to harass people for statute barred debts. There will be complaints to be made if they don't pack it in.

 

You can get as nasty with them as you like with statute barred debts, as there is absolutley nothing they can do. With debts that they just don't have a valid CCA for, you have to be very careful not to do anything that might provoke them into a more thorough search.

 

Send them a letter telling them that the debt is statute barred, and remind them of the OFT guidance. If they come back again, come back here and we'll take it from there.

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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