Thames Credit Limited

[Curlyben]

First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

 

Thames are specialists in chasing Statute Barred debts.

Now if there was no acknowledgement in writing or by payment in OVER 6 years then the debt is Statute Barred.

 

You need to send Thames a letter to that effect and see what happens next, don't worry about the CCA request yet.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter M.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

[Curlyben]

Go with the stat barred letter to start with and see what this shakes loose

[Curlyben]

Seems that Thames don't own a calander

 

Send them this:

Edit as needed.

Thank you for your letter of DATE, the contents of which have been noted.

 

I refer to my letter of DATE where I told you that this alleged debt is Barred under Statute, a copy of which I have included for your perusal and ease of reference.

Now your contention is contrary to this.

That being the case I would request that you substantiate your claims that this alleged debt is indeed enforceable and not barred by statute.

I am familiar with the Office of Fair Trading Debt Collection Guidance.

Which states that it unfair to mislead debtors as to their rights and obligations, by falsely stating or implying that the debt is still legally recoverable and continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred.

This could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970 and if your demands continue I will be reporting this matter to the relevant authorities.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing

 

 

Yours faithfully,

Of course head it with I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

[Curlyben]

Oh I like s189

Hey if they want to play stupid games with semantics than we can play too.

[Curlyben]

I might have covers LoP s136 as well

[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.

[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.

[Curlyben]

Oh dear Thames are really

[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 !!

[Curlyben]

Oh dear another Thames