Thames Credit Limited

[Curlyben]

I might have covers LoP s136 as well

[ODC]

The old LOP ploy again I really wish they would make their minds up

[make them aktiv runners]

Thanks for the quick reply. i don't mean to be thick but just to clarify even if there is a default on my credit file, they cannot pursue this any further the debt is over six years old and there has been no payment made for six years. Also what does ll this stuff about Atkiv kapitol mean??? Thanks and sorry again for being dumb!!

 

Aktiv Kapital own Thames Credit. Default date is irrelevant as 6 years counts from last payment/acknowledgement by you. Do not be embarrassed to speak to your colleagues, they will probably be familiar with these creative letters we all get and would probably come up with similiar replies, or just tell you to ignore them. Thames letters are useful for toilet paper only, pity they print on hard paper!

[groovychickmum]

going back to original post

We have accessed public information in order to ascertain your current address, (as shown on this letter) and beleive this is your current address.

 

It is important that you now telephone us on the number shown at the top of this letter, as we hold the above agrreement at the address shown, and we need to explain this in details to you.

 

If you beleive this is not your account then please telephone within 21 days to avoid this account being registered against your name at the credit bureaux.

therefore, if an innocent person recieved this letter,and thought cheeky blighters i'm not using my usage of phone to call them, therefore this company could registr against the innocent person? omfg, that is so very wrong............the dca or whoever,should make sure it is the person they are looking for.i thought it was up the dca/companies to proof 'debtor' NOT the other way round.

[groovychickmum]

i'm dealing with o/h's fight against thames/aktiv at the stage where a sent for s.a.r. in july, got letter stating they require his former addresses so they know its his debt, i wrote back stating they bought the debt, they are the ones sending 'pay us now' letters, they are the ones who need to proof this is his debt, not him to do their job for them, after all they are not going to be paying him admin fees. that was early august, still no correspondence from them. maybe i've spoke too soon, postie man aint been yet.lol

[rombo 69]

Hi,

 

I have had a reply from Thames after I sent them the stat barred letter which states:

 

 

"we refer to your recorded delivery letter dates 10th Septmber 2007 regarding the above referenced account.

 

Your reference to the Statue if Limitations is not relevant. We do of course fully understand statute but it is very often misinterpreted by debtors and their advisors. We have neither threatened nor suggested litigation, hence it is repeated that reference to the Act is not relevant.

 

There is no legislation that precluseds a creditor from legitimately requesting payment of a debt which remains outstanding and due. Indeed we could argue that any debtor who recognises that such a debt exists has a moral obligation to address his responsibility

 

GE capital has confirmed that there is an outstanding balance owed by you.

 

If it is the case that you have simply overlookes this account becuase of it's age we are prepared to be constructive and apply a significent discount rather than consulting our solicitors about potential further action etc etc etc (is this paragraph not a threat!!)

 

Also in my original letter i requested a copy of their complaints proceudre to which there is no reference in their reply.

 

Any ideas pleas??

[Curlyben]

File it under IGNORE as they are urinating into the wind.

They KNOW they can't force you to pay, but are begging you to pay.

Muppets.

[rombo 69]

Thanks Curlyben however it would be nice for this to be closed. Should I reply to them stating that threatening me with solicitors is a threat and if they send me any more letters etc I will complain to FOS??? also I am mad that they have not ackowledged my request for their complaints procedure. Is there really nothing they can do??

[Curlyben]

Well as they have ignored your letter and just taken the parts they like, you are fully prepared should they try anything else.

I'd leave it and see what happens next.

Should they try anything I'd report them to Trading Standards for starters and possibly the FOS as well.

[ODC]

Let them consult their solicitors about what further action they can take.

 

 

 

 

 

 

 

 

 

 

 

 

ABSOLUTELY ZILCH

 

I really just dont know why they just do not admit defeat.

[make them aktiv runners]

also I am mad that they have not ackowledged my request for their complaints procedure.

 

Rather slack of them as after 8 weeks you can complain direct to FOS.

[rory32]

Aktiv this is a request for a copy of their complaints procedure, so they can forget 8 weeks. If they don't have an adequate complaints procedure it questions their fitness to hold a CCL.

[ODC]

Rather slack of them as after 8 weeks you can complain direct to FOS.

 

Aktiv this is a request for a copy of their complaints procedure, so they can forget 8 weeks. If they don't have an adequate complaints procedure it questions their fitness to hold a CCL.

The 8 weeks refers to the length of time they have to investigate your complaint. I would report them directly to FOS to make a complaint about them and copy it to TS

[rombo 69]

Hi,

 

I have received another letter from Thames Credit today. I have written them to letters as you can see from the earlier threads advising that the debt is statue barred and then a further one again advising if they continue to press forpayment this is harrassment. On each of the letters I have requested that they note my change of address as they have been writing to my mother is elderly. They have negated to do this and continue to send letters to my mothers address. twice I have asked for a copy of their complaints procedure and they have not acknowledged this. The latest letter I have received states:

 

"further to our telephone call on the *** I am writing to advise you that this debt is not statue barred. Unless you pay by the 26th September we will be consulting our collections team"

 

Firstly after all your good advice i have never had a telephone conversation with them, and secondly it is statue barred. I have never acknowledged the debt in writing, the debt is fro 2001 and the last payment was in april 2001. How can these people just lie?? any suggestions please?

 

Thanks

[rory32]

As they won't send you a copy of their complaints procedure you can now open a complaint with the FOS.

[ODC]

You have asked these muppets twice for details of their complaints procedure. They are obliged by law to have one. As they have failed to supply you with these details you should now report them directly to the Financial Ombudsmans Service who will charge them £400 to investigate your complaint. They are idiots. I would write them a final letter.

 

Dear Idiots,

 

I have twice asked you for details of you complaints procedure. You have not acknowledged my request.

 

Take note that I will now be reporting the matter to the Financial Ombudsmans Service and Office of Fair Trading with regard to your fitness to hold a licence.

 

As regard your dispute regarding the law on Statute Barred debt I welcome the opportunity to discussing this matter in Court as obviously you do not appear to have a grasp of the relevant law.

 

Please do not correspond with me again other than to issue a court summons as I will not be making any further replies to any correspondence from you.

 

I look forward to any court case you bring as it will be my intention to counterclaim against you with a report to the courts regarding what I feel would be a clear case of Vexatious Litigation on your behalf

[ODC]

Snap Rory

[rory32]

Yeah but you gave a more detailed answer ODC

[ODC]

Yeah but you gave a more detailed answer ODC

Only because Im dealing with these muppets too:)

[Curlyben]

Oh dear Thames are really

[rombo 69]

I have received another letter from them stating that the debt is not stat barred as they registered a default on my credit file in 2002 so it is not stat barred even though there has been no activity since 2001 and apparrently the fos has advised them of this. is this true???

[Curlyben]

Who cares when they registered a default on your file.

This has NO bearing on stat barring.

 

The LAST acknowledgement is what is important here !!

[ODC]

Absolute sh!te.

 

Once a debt becomes Statute Barred it remains Statute Barred. I would send a copy of the letter to the FOS along with an official complaint about Thames

[rombo 69]

Hi,

 

Just to keep you updated on this one, as suggested I logged a complaint with the Financial Ombudsman service stating I was being chased for a debt where there had been no activity for six years. They have replied to them and copied me in with the following response:

 

GE capital bank LTD have confirmed the last payment was made to this account on the 18/06/01. The default was recorded with the credit bureaux on the 21/02/02.

 

We have made without prejudice offers and extend this offer for a further 4 weks from this date.

 

Me maintain the default has been registered correctly and look forward to hearing from *** regarding setlement of the account.

 

In line with our complaint procedure this letter constitues the company;s final response. Should *** remain dissatisfied with our final response she may refer her complaint back to the financial ombudsman...

 

Surely if they have sent this to th FSA it must mean I have to pay???

[djdave]

So they've admitted in writing that the last payment was just over six years ago?

 

They really must brush up on the Limitations Act! Still, nice of them to admit their mistake to the FOS!