@asknationwide 2 old Nationwide accounts & various DCA's chasing them

[concorde]

I recently sent a Staute Barred letter to these muppets and today I received the following reply from the dears.

 

Dear Mr xxxxxxxxxx

 

Due to Equidebt - Ex Nationwide

 

Further to your recent communication, we do not accept that the above account is time barred under the limitation act.

 

Even were you to demonstrate that this debt is time barred, the debt still legally exists and may be reported accordingly to the credit reference bureaux, as appropriate.

 

We are prepared, however, to offer you a substantial reduction to settle this account once and for all.

 

This debt does not show up on my credit file as it is more than 6 years old or even older.

 

How do I respond to them now or should I just ignore them.

[padja]

making demands for statute barred eh? Fire off complaints to OFT, Trading Standards teach the numpties a lesson

[BRIGADIER2JCS]

Tell them you require STRICT PROOF of the reasons

for their claim.

Reiterate your claim to SB status an state no payment

or offer will be made, they have the burden of proof not you.

 

Brig.

[concorde]

Tell them you require STRICT PROOF of the reasons

for their claim.

Reiterate your claim to SB status an state no payment

or offer will be made, they have the burden of proof not you.

 

Brig.

 

Thanks for your reply Brig.

 

I am at the stage of being rather pxxxxxed of with these people.

 

This debt showed on my credit file until it was removed some 2 years ago,

so how can they say its not Statute Barred,

 

furthermore they must have bought the debt from Equidebt fairly recently,

 

what a bunch of muppets.

[BRIGADIER2JCS]

These SB or nearly SB debts are sold off for pennies

then get passed around and I presume each leech

gets their tax relief when they can't collect, but

for every person in this situation how many actually

know about The limitations Act, so unsuspecting

debtors start paying with out knowing their rights.

[concorde]

These SB or nearly SB debts are sold off for pennies

then get passed around and I presume each leech

gets their tax relief when they can't collect, but

for every person in this situation how many actually

know about The limitations Act, so unsuspecting

debtors start paying with out knowing their rights.

 

They seem to think that because you make contact with them then it all starts of again. I think that on this occassion I will just let them keep on sending me letters and see who gets fed up first as they are unable to make a case out of it in court.

[BRIGADIER2JCS]

Only a payment or written acknowledgement

of the debt restarts the clock, telephone

contact does not.

Nor do requests for information CCA Requests or SAR's.

Some will try it on though.

[concorde]

Cheeky:fish2:

 

Hi Brig, they are at it again even after sending a letter about harassing telephone calls every week and reporting them to the OFT.

[BRIGADIER2JCS]

Time to forget templates FORMAL COMPLAINT

to their compliance manager.

[concorde]

Time to forget templates FORMAL COMPLAINT

to their compliance manager.

 

How does one find out who the compliance manager might be Brig?

How do DCA'S like this manage to get a licence when they do not carry out things legally.

[BRIGADIER2JCS]

Hi Concorde,

You can google their company sites it's

usually on them, or just address it for the personal

attention of the CM marked Confidential.

As to licensing who knows it's a mystery how the keep

them IMO.

 

Brig.

[concorde]

Hi Concorde,

You can google their company sites it's

usually on them, or just address it for the personal

attention of the CM marked Confidential.

As to licensing who knows it's a mystery how the keep

them IMO.

 

Brig.

 

Hi Brig,they are at it again despite sending a letter to the CM.I received the following from them this morning:

 

FINAL NOTICE

 

Ref L005

 

Dear Mr xxxxxxxxxx

 

Our agent has failed to make contact with you and as a legal requirement we must now inform you that 14 days from the date of this letter we will be instucting our legal department to review your account for suitable further action.

 

This may involve applying to the courts for a county court judgement which will enable us to commence with one or more of the following steps:

* Instructing a bailiff or sheriff to remove goods from your property.

*Obtain a charge against your property (That would be hard to do)

*Deduct payments directly from your salary through your employer.

*Obtain payments directly from your bank account (they can try)

*Request your attendance at court for examination of your financial means(lets get started then)

 

I am now considering contacting the CSA regarding there continued harassment as they are not taking any notice of any of the letters sent to them,or as you have previously indicated just ignore the idiots.

[dx100uk]

ignore them

 

dx

[BRIGADIER2JCS]

More we may, we might threats which are meaningless.

You can ignore as DX says,or Send the complaint again,

with similar wording to theirs:

We are in receipt of your ridiculous Final Notice with

i'ts pathetic threats of mights' and aany maybes

 

This is Our Final Response:

Unless within 14 days you reply satisfactorily to

legitimate complaints we WILL report your conduct to the OFT,

trading standards and the CSA.

 

Furthermore we WILL also be reporting to the FOS which

WILL cost your company considerable exspence.

YOUR Faithfully

PI**ed Off.

 

Brig.

[concorde]

Thanks Dx I will ignore the letter and any further communications from them.

[concorde]

More we may, we might threats which are meaningless.

You can ignore as DX says,or Send the complaint again,

with similar wording to theirs:

We are in receipt of your ridiculous Final Notice with

i'ts pathetic threats of mights' and aany maybes

 

This is Our Final Response:

Unless within 14 days you reply satisfactorily to

legitimate complaints we WILL report your conduct to the OFT,

trading standards and the CSA.

 

Furthermore we WILL also be reporting to the FOS which

WILL cost your company considerable exspence.

YOUR Faithfully

PI**ed Off.

 

Brig.

 

Hi Brig,they are at it again regardless of all the previous letters sent. I received the following threat from them this morning.Letter reads as follows:

 

FINAL DEMAND

YOUR ACCOUNT IS WITH THE PRE-LITIGATION DEPARTMENT

 

We regret to note that despite our collections team making efforts for a positive solution to this issue you have chosen to ignore all correspondance and attempts to talk to you by telephone.

 

We have been left with no option but to transfer your account to Raven Recoveries (Guess what one of the same) to resolve this on our behalf. They may commence litigation against you which will increase the debt payable due to costs incurred. Should the matter proceed Raven Recoveries could take a charge against your property (they would have a job) or have monies deducted direct from your wages.

 

This is your final opportunity to avoid this happening. We still want to help you resolve this and, therefore, you must call to arrange one of the following two options etc etc.

 

Should I respond to this letter or just ignore,I know that you and others keep saying ignore but they just do not want to go away. I suppose that the more I respond the more they are going to keep on coming back. I have even thought of sending all the correspondace sent and received to the OFT and see what they have to say.

[brokebutnotbeatn]

why is this letter any different to the one you referenced in post #44???

[BRIGADIER2JCS]

The tone of the wording and the words PRE LITIGATION DEPARTMENT

designed to intimidate, this department is in the 3rd. Stall on the right

in the 2nd floor gents bog, right next to the desk of the berk who wrote

the letter in post 44#.

Send an updated version of the letter suggested in post 46#

adress to the compliance manager Private & Confidential and

send RD and trace receipt.

 

Brig.

[concorde]

why is this letter any different to the one you referenced in post #44???

 

It's now becoming very confusing as to what to do about these bloody muppets,do I respond or just ignore. The more I respond the more crap comes in the post I am now really P****ed of with them.

[DonkeyB]

Raven can’t take any legal action unless they are assigned the alleged debt. Another one for the OFT.

[BRIGADIER2JCS]

DB is right there.

[brokebutnotbeatn]

Did you send the letter in post 46 in which case ignore. The more you respond the more you'll get back.

[panther12]

You’ve given them enough rope and now they’ve hung themselves by mentioning possible court action and all the other stuff when it’s SB. Someone correct me if I'm wrong but even if they are allowed to continue to ask for the money, by virtue that they have kept in touch over the years, they can’t threaten & intimidate or even mention court action when it’s SB’d.

[BRIGADIER2JCS]

The DEBTOR MUST INFORM THE CREDITOR THE DEBT IS SB

AND STATE IN WRITING THAT THEY WILL NOT BE PAYING>

[LostAtSea]

concorde[/left];3523041]Hi Brig,they are at it again despite sending a letter to the CM.I received the following from them this morning:

 

FINAL NOTICE

 

Ref L005

 

Dear Mr

xxxxxxxxxx

 

Our agent has failed to make contact with you and as a legal requirement we must now inform you that 14 days from the date of this letter we will be

instucting

our legal department to review your account for suitable further action.

 

This may involve applying to the courts for a county court judgement which will enable us to commence with one or more of the following steps:

* Instructing a bailiff or sheriff to remove goods from your property.

*Obtain a charge against your property (That would be hard to do)

*Deduct payments directly from your salary through your employer.

*Obtain payments directly from your bank account (they can try)

*Request your attendance at court for examination of your financial means(lets get started then)

 

I am now considering contacting the CSA regarding there continued harassment as they are not taking any notice of any of the letters sent to them,or as you have previously indicated just ignore the idiots.

 

I would love to see them try to instruct a Sheriff, that would be funny;)