global debt recovery

[dazza3956]

hi all.

i haven't posted for a while but my partner has had a letter from global debt recovery claiming she owes £130.

 

I sent off the statute barred letter as this debt is well over 6 years old and my partner can say 100% she has not made any payments in that time.

 

Global sent a letter back saying that it can't be disputed as statute barred as there was a payment made on 10th aug 2007

 

.this is rubbish and they are lying.

 

there has definitely been no payment whatsoever as I deal with the debt for myself and her.

 

can someone please advise on the next step as they seem to be trying scare tactics.

thanx

Dazza

[BRIGADIER2JCS]

Ok, What appears on her credit files?

Send this to their compliance manager

by recorded delivery.

 

Ref: xxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your letter dated xxxxx regarding the alleged debt for £xxxxxxx,#

Please take note I do not acknowledge any debt to you or any company you

claim to represent.

 

You allege that a payment was made on xx xx xxxx I refute your claim

that such a payment has been made and I now require you to provide

irrefutable proof of the alleged payment as set out below.

 

1. If a cheque payment was made I require the name of the drawer,

the name and addresss and sort code of the bank together with the

account number on the cheque and the sequential number of the cheque.

2. If payment was made by credit.debit card I require the name of the card

issuer, the 16 digit card number and the 3 digit security number, the

name of the card holder, the start and end date on the card,

3. if a postal order was used I require the name of the issueing office,

the date of issue, the Postal order number and the date of cashing.

4. If a bank transfer was made I require the name of the paying bank,

sort code and address, the date it was paid and the name of vthe drawer.

 

If any other form of payment was made I require full details of such

an alleged payment.

 

Until this proof is provided I consider the alleged debt to be statute barred

and I will not make payment,

[dx100uk]

ask them to prove who and where and when the paymnts were made

 

typical phantom payment trick

DCA's pull.

 

can you give us a bit of the debts history please.

 

dx

[dazza3956]

hi

thanx for the replies.

we haven't got recent credit file history as yet but will send for them immediatley.

 

we do have credit files from 2008 and the debt is on there we think .

 

if its the same debt that global are talking about.

 

the amounts are the same but on the file its with Intrum justitia.

its from 2003 on the credit file and showing defaulted in january 2003.

 

my partner doesn't know who the debt is originally with.

 

the letter above looks excellent and i will send that off straight away.

 

thanx again

dazza

[BRIGADIER2JCS]

Dazza you must check at least one CRA try noddle it's free always.

[dazza3956]

ok thanx.

just signed up with noddle and sent off for other CRA files.

waiting for a pin code from nodle to view credit report.

thanx

dazza

[BRIGADIER2JCS]

Good it will help assess the status of the debt.

[dazza3956]

just looked at noddle credit file and it doesn't show anything on there but not sure about noddle as it doesn.t really show anything.

my partner hasn't got hardly any financial things apart from her current acount.

it shows her current account but nothing else.

 

i have sent off to the other credit reference agencies so wil have a better idea then.

 

will get back as soon as i hear from them.

 

shall i send the above letter now or wait for the result of the credit file?

thanx

dazza

Edited June 18, 2012 by dazza3956
adding info

[BRIGADIER2JCS]

If there is no mention of the debt, it May have been

removed because it was over 6 years old.

Looking back over the thread defaulted 2003 so#no

longer on file, IF no payment or acknowledgment

of the debt in writting since that default date or any

clear 6 year period the debt will be statute barred.

Get thos other CRA files then this is easily sorted once

and for all.

[dazza3956]

ok thanx.

wiill get back when i receive the credit report.

dazza

[Bazooka Boo]

Make a very loud complaint to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

This is another attempt at fraud, second one today!

[dazza3956]

hi again.

received credit report today.nothing on it at all about the debt in question .

should i send the letter that was posted earlier now?its easy for them to say that a payment was made.

reading throught the posts global debt recovery next step could be to threaten my partner with taking her to court.

do they have to produce the evidence before court proceedings or not?

thanx again

dazza

[dx100uk]

pers i'd do nothing

 

you could send that letter

 

and also ad that the debt does not show on your cra file

so again, this indicates it IS SB'ed.

 

PROVE otherwise

 

its for THEM to prove it IS not SB'ed

 

not for YOU to prove it IS.

 

if its sb'ed they'll go no where near a court

 

to be honest

 

i think its a phishing trip looking for a mug to fleece

 

dx

[BRIGADIER2JCS]

If they do litigate they will have to declare

any documents the intended to rely on.

 

As DX says defaults fall off after six years paid or not.

The date for the start of the six year period is usually

2 -4 months prior to the default, no payment or ackmowledgment

in writting must have been made in six clear years.

[BRIGADIER2JCS]

If you are sure that the circumstances are correct for SB send this:

 

The Compliance Manager

Global Debt recovery.

 

Ref; xxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to the debt for xxxxx that you allege is owed by me,

please take note that I do not acknowledge any debt to your company

or any company you may claim to represent.

 

Further to your making contact with me I have taken advice and

carried out som research into the alleged debt and I have concluded

that any such alleged debt is now STATUTE BARRED and I will NOT

therefore be making any payment or offer of payment now or in the

future.

 

I am sure you are aware of the sections of the OFT Guidance on Debt

Collection 2003/2011 regarding the pursuit of SB debt and the sale of

such debt without informing the purchaser of the status of the debt.

 

I now reqiure to cease processing any data relating to me and remove

it from ALL your records.

 

Should you decide to continue to press for payment I will make complaints

to the regulatory authorities.

 

Send it recorded delivery.

[dazza3956]

thank you for the replies.

i will send the letters off and await their reply.

thanx again

dazza