Old debts, letters, phone calls.

[poppi74]

Hi,

 

back in the 90,s i got into a financial mess,

 

however in 2001 i went to the CAB who sorted out reduced payments etc.

 

Most creditors received reduced payments, however some didnt reply.

 

I was making payments up until approx 2005.

Some debts were paid others i heard nothing from.

 

I have moved only once in this period 2001-2012. Also ive got married.

 

Sorry to go on..

 

Now in the last month i have started to receive letters from dca's regarding 3 outstanding debts,

i cant remember them also the amounts...

. dont get me wrong i know i had old debts.

.but this was a long time ago.

 

I keep getting a recorded message on the landline stating if i dont contact them they are going to do a house call

( message does not state who its from or who its too,It just says press 2 to speak to operator)

 

however i dont know what to do!!,

 

its really stressing me, also debt letters offer such reductions on the debt it seems unbeliveable.

 

Can anyone give me advice.

[Bang!]

Hi, back in the 90,s i got into a financial mess, however in 2001 i went to the CAB who sorted out reduced payments etc.

Most creditors received reduced payments, however some didnt reply. I was making payments up until approx 2005. Some debts were paid others i heard nothing from.

I have moved only once in this period 2001-2012. Also ive got married.

Sorry to go on.. Now in the last month i have started to recieve letters from dca's regarding 3 outstanding debts, i cant remember them also the amounts.... dont get me wrong i know i had old debts..but this was a long time ago. I keep getting a recorded message on the landline stating if i dont contact them they are going to do a house call ( message does not state who its from or who its too,It just says press 2 to speak to operator) however i dont know what to do!!, its really stressing me, also debt letters offer such reductions on the debt it seems unbeliveable. Can anyone give me advice.

 

Your debts are so old there's even a chance they are somone else's and your name's similar.

 

From the date of your last payments to the ancient debts, they are time barred (though would not be for council tax debt). Are you in Scotland, or England/Wales?

 

Also, there is a fair chance you 'match' to just a number and not even an address. Do they use your maiden/married name in the calls?

[poppi74]

Its not any council tax debts any debts i originally had was credit cards etc. All calls/letters are in maiden name.

[BRIGADIER2JCS]

H welcome to CAG,

 

Which DCAs are chasing you?

Do not fall in to the trap of answering

any ''security'' questions on the phone.

Have you checked your credit reference

files? If not you need to do so asap

 

Debt collection agencies and their so called

field agents have absolutely no powers to d

any thing if they turn up just tell the to remove

themselves immediately.

 

Never use the phone if you get caught unexpectedly

just say ''in writting only'' and hang up.

 

The debts may well be statute barred, but you must

be sure, from your credit files look for the ''last delinquent payment'' date

and or the default date this will act as a guide to decideing if it's Stat

barred the SB date will be up to 6 months prior to the deafault date.

The criteria is 6 years with no payment or acknowledgment in writting.

 

Get that info and come back here and I will draft a letter for you.

 

I suspect the reason for the contact now is a recent piece of ''guidance ''

on stat barred debt and the DCAs are taking every chance to try and collect

on loads that they hold.

[BanditQueen]

Some of these are so old, they are time barred.

 

The letters that you have no idea about them, demand they give you a full explanation and evidence that you owe them,

together with statements from inception or the last time you had a statement.

 

If they do not provide this within 28 days, you do not have to pay it.

 

State to anyone that phones you in writing only, hang up on them,

tell them not to call again, block their number, change your number,

and tell them you will not discus on the doorstep

and if you can get an address and an email,

tell them they do not have permission to attend on you at the door

and if they call at your home without your express permission

you will have them removed as a breach of trespass

that will not be limited to calling the police to have them removed by force if necessary.

 

The only people who have the right to call at your home are the postal service and people asking for directions.

 

Anyone else you can tell to go to hell!

Do not give anyone any personal information at the door or over the phone and if they turn up,

close the door and refuse to discus the matter with them and if they refuse to leave call the police!

Or do what I did when a debt collector twice my age did not respect the fact that I had opened the door in my nightgown

and glared at my breasts even as I was closing the door: scream Pervert after them; they will not come back!

 

As above do not answer any security questions and put the phone down and ignore them.

If they do not go away, report them as a nuisance!

 

You can also go to a specialist for advice that does the trick such as the CLA or CAB debt people.

it seems to me that you are not in any shape to pay these people and these are old debts:

you should not have to pay them and if you have no money then you do not have to.

[poppi74]

Hi, Thank you for your help & advice, bang,banditqueen & Bridadier2jcs. I will check my credit file, Brigadier2jcs, then post somemore info. to see if you can advise (if thats ok).

[BRIGADIER2JCS]

No problem!!

[poppi74]

Hello Brigadiers2jcs,

I hope u don't mind me asking, however to be sure what is on my credit files how many cra's do i need to check?

Many Thanks.

[BRIGADIER2JCS]

Hi, You need to check Equifax, Experian (Credit Expert) and Call Credit (Noddle free for life),

to be sure of the data as some companies use all three or any combination.

[poppi74]

Hi Again, Just an update/query,

I have managed to check 2 cra's,

which none of the chasing debts show,( although a couple of issues have popped up,)

 

however 1 of the cra's requires me to send proof to them id doc's to prove my identity.

 

I will get this sent in next couple of days.

 

My concern is that this is delaying my situation.

 

Also if the debts are sb, and i send the sb letter to dca does this mean i am admitting the debt??

 

if so, would it not be best to send the dispute letter 1st,

 

while i am waiting for confirmation or have i got this wrong.?

Many Thanks for your help.

[Dotty50]

Hi poppi74

 

Can you tell us who is chasing you? That will make it easier for people to offer you advice from their own experiences.

 

Don't get sending any sb letters until you know your facts and Brigadier did offer to draft a letter for you in post 4, once you have the facts!

[dx100uk]

pers i'd not go firing off any SB letters

 

but NO they dont ack the debt.

 

if you are SURE these are SB'ed from memory

and

the non-show, on at least 2 cra back this p

 

then no dic MR DCA!!

 

its for THEM to prove its NOT SB'ed

 

not for YOU to prove it IS

 

if you scan the letter up for us to see

 

i bet we've see them before:

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[poppi74]

Hi Brigadier2jcs,

I hope you can now help/advise me.. apologise for the delay, however it took me forever to get onto one of my cra.

I have finally checked all 3 CRA'S and none of these debts are registered on them..

I would prefer to not put up pdfs incase i do it wrong(dont know who's l@@king), however thank you for your replies Dotty50&Dx .

The DCA's are Robinsonway, 2x Aktiv Kapital & 1st Credit.

Your earlier offer to draft a letter would be very much appreciated.

Thanks for your time.

Poppix

[BRIGADIER2JCS]

Hi, That's means that the defaults have been removed after 6 years paid or not.

So what you need to work out is when was the last payment or written acknowledgment

of these debts.

 

Statute Barred == no payment or acknowledgment i writting in six clear years. (5 in Scotland).

 

If you can confirm that I will draft a letter that you can send to all the CCAs.

[dx100uk]

time to ignore anyone that tries

to collect on a debt thats NOT on your file then.

 

go get on with your life!!

 

dx

[poppi74]

Hi, Thanks for replies.

I just want them to stop contacting me/ its annoying.

Brigadier2jcs, to the best of my knowledge( not 100%) no contact / payment since 2005/2006.

pop:)

[BRIGADIER2JCS]

Hi pop, I'll draft the letter anyway use it when you are ready.

 

The Letter goes to the Compliance Manager at each DCA.

 

Ref: Account No.xxxxxxxxxxxxx

 

 

Dear Sir or Madam,

 

I refer to your letter(s) regarding the debt for xxxxxx which you allege

is owed my me, please take note I do not acknowledge any debt to you

or any company you may claim to represent.

 

Having taken advice and researched the allged debt I have concluded that

any such debt is now statute barred and I will not therefore make any payment

or offer of payment now or in the future.

 

I am sure I do not need to remind you of the OFT Guidance on Debt Collection 2003/2011

and the section regarding the pursuit of Statute Barred Debt, and also the ICO technical

guidance regarding the sale of SB debt without informing the purchaser of the status of

the debt.

 

Send it recorded delivery amended to suit each debt.

 

Brig.

[poppi74]

Thank you. Bridadier2jcs.

Your help is very much appreciated.

[BRIGADIER2JCS]

Thank you. Bridadier2jcs.

Your help is very much appreciated.

 

Please let us know how you get on!!