Scotcall

[exRAF]

Had a letter from Scotcall stating they'd be coming 'round to see me regarding a debt that's done the rounds with BCW and Aktiv Kapital. Long story short is I believe it now to be SB.

 

I'm moving soon so they'll have fun turning up at my old address, which will be empty and only accessed by security doors! That said I don't want cards etc put through the door as it'll be my old landlord / agent who'll receive and I don't want my neighbours 'questioned' or my business known to all and sundry

 

Best plan here?

[BRIGADIER2JCS]

Hi, Do you know what the debt is?

Scotcall have been chasing very old

(15-20 years) Associates (citi) accounts

for while now, have chalenged the recently

on one 22 years old, no reply to the SB letter

after nearly 8 weeks.

[exRAF]

Brig,

 

I absolutely know what the debt is (Barclaycard sold to Aktiv Kapital), but I know that it is recently SB as my CRA shows last payment and then the default date. I've cross checked bank accounts and no payments made (as far as I can possibly tell) in 5 years.

[cerberusalert]

Yup, if you're in the land of the midges it'll be 5 yrs for it to be SB.

[cerberusalert]

So Scotcall cannot visit you at all in Scotland?

No.

See; http://www.consumeractiongroup.co.uk/forum/showthread.php?194103-Doorstep-Collections-in-Scotland

[unclebulgaria67]

I would just send the letter back to them, with writing all over the letter reminding them of the law in Scotland regarding doorstep visits and that the debt is statute barred. Plus that you are moving, so they should stop wasting their time.

[BRIGADIER2JCS]

Here you RAF,

 

The Compliance Maanager

Scotcall.

 

Ref:xxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your correspondence regarding the debt for £xxxxx which

you allege is owed by me.

 

I do not acknowledge any debt to you or any company you claim to

represent.

 

I have researched this alleged debt and have concluded that ant such debt

is statute barred and I will not therefore make any payment or offer of payment

now or in the future.

 

I am sure I need not remind you of the sections of the OFT Guidance on Debt

Collection 2003/2011 and tsections regarding the pursuit of SB debts or the guidance

regarding the sal of SB debt without informing the purchaser of the status of the debt.

 

I require you now to cease processing any data you hold on me and remove it

from your records.

 

Should you wish to continue to press for payment I am fully prepared to place

complaints with the regulatory authorities.

 

Send RD

[exRAF]

Thanks to all, especially Brig for the letter template. Much appreciated as always.

[Conniff]

I could have written that, it wouldn't have had the same words, but it would have meant the same thing

[BRIGADIER2JCS]

I could have written that, it wouldn't have had the same words, but it would have meant the same thing