direct legal & collections

[one england captain]

Hi

 

Today i recieved an e-mail from direct legal asking me to contact them so i did and they said they were contacting me on behal of wellcome car finance over a car i had in 2002 and havent paid a penny since may 2004

 

I said to them this matter was now subject to the limitationact 1980 as i havent paid a penny since then and besides the car was clocked and wellcome refused to do anything about this even when i showed them the evidence

 

They said no it isnt coz they contacted me in 2008 and spoke to me about it ....

I replied to them stating they are in breech of the rules and the matter is now closed ...but they refused to stop harrasing me ..what do i do ?

[citizenB]

HOw are they in breach of the rules ??

 

You would require proof that someone did indeed speak to you about it when they say they did and what was said.

 

Unless you acknowledge ownership of any outstanding debt, then by your reckoning.. this is statute barred

[RoyalIrish]

Just send them the Stat Barred letter, end of.

 

Hard to prove verbal agreements although this is likely to trip them up as well if they claim you acknowledged the debt verbally.

 

They are like most DCA's - chancing their arm and trying to fleece a mug!

[Bazooka Boo]

And as far as a phone conversation goes, this will not reset the clock, a payment or written acknowledgement is what is required to do that. Send the extremely desperate morons the SB letter and ignore them.

 

You MUST report them to the OFT&TS also via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Stay off the phone, if they ring, tell them "Everything in writing" laugh then hang up, or just laugh and hang up.

[rosyb]

And as far as a phone conversation goes, this will not reset the clock, a payment or written acknowledgement is what is required to do that. Send the extremely desperate morons the SB letter and ignore them.

 

You MUST report them to the OFT&TS also via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Stay off the phone, if they ring, tell them "Everything in writing" laugh then hang up, or just laugh and hang up.

 

 

Well done now you getting it, a writen acknowlegemnt of the reciept of the demand like a CCA request.

No need to thank me for putting you straight on this..

 

Rosy

[rosyb]

HOw are they in breach of the rules ??

 

You would require proof that someone did indeed speak to you about it when they say they did and what was said.

 

Unless you acknowledge ownership of any outstanding debt, then by your reckoning.. this is statute barred

 

 

No you still dont get it, statute bar is not about owneship of the debt it is about it not being chased for six years, read the regulatios for gods sake

 

Kind regard

Rosy

[rosyb]

And as far as a phone conversation goes, this will not reset the clock, a payment or written acknowledgement is what is required to do that. Send the extremely desperate morons the SB letter and ignore them.

 

You MUST report them to the OFT&TS also via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Stay off the phone, if they ring, tell them "Everything in writing" laugh then hang up, or just laugh and hang up.

 

Yes that will do it good solid legl advice from the primary school yard

 

KInd regards

Rosy

[twoman]

Who does Rosy work for then.

Can't spell and can not decide wether to use upper case or lower case.

Wonder what primary school she goes too.

[Bazooka Boo]

I don't know what toddler group it goes to either? But the trolls statements do keep me amused...be a shame to find out if it is employed by a respectable DCA.....

[brokebutnotbeatn]

Rosy, Rosy, Rosy. Writing to someone asking for information on a debt they claim is yours cannot reset the clock; that would be ludicrous. I assume you're posting these comments to confuse people who search the internet...

[RoyalIrish]

Could any future readers please ignore comments from rosyb!

[Bazooka Boo]

Hi

 

Today i recieved an e-mail from direct legal asking me to contact them so i did and they said they were contacting me on behal of wellcome car finance over a car i had in 2002 and havent paid a penny since may 2004

 

I said to them this matter was now subject to the limitationact 1980 as i havent paid a penny since then and besides the car was clocked and wellcome refused to do anything about this even when i showed them the evidence

 

They said no it isnt coz they contacted me in 2008 and spoke to me about it ....

I replied to them stating they are in breech of the rules and the matter is now closed ...but they refused to stop harrasing me ..what do i do ?

 

Have you sent them the SB letter? If you do, then send it either 1st or 2nd class but you MUST obtain "Proof of posting" from the PO counter.

 

Once they have been told, in writing, and they then continue to contact you for payment, you can report them to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Even though a debt is subject to the limitations act, whilst they CANNOT recover this via the courts, they can still "ask" for payment toward it, however, you can also politely tell them to go away, they cannot mark your credit file with adverse data, as this will be incorrect and defamatory you will be able to sue them for damages if they did so.

 

Once a debt is SB "NOTHING" can unbar it, no phone conversation, no letter, not even agreeing with them that yes you do indeed owe this, it is dead and buried, you may get a letter every now and then asking you for payment, but once they are told, in writing, that it is SB, they will sell it on and print money off the back of it.

[one england captain]

all done and got a letter stating the debt is now closed thanks all

[Bazooka Boo]

I think all the thanks should go to Rosy.......for proving yet again that the financial industry is on it's knees because they choose to employ fools who can't see further than the end of their nose and live in their own little world.