scotcall visit -express gifts account

[loub]

hi, hope someone could be of help to me...

 

i received a letter today dated the 5th july 2012 from scotcall

instructing me of a pre-visit notice,

 

the debt is with express gifts which i took out when i was 16, year 2000/2001,

 

i also received in a brown envelope which was hand posted a card from scotcall instructing me that they have tried to visit 3 times today and requesting i should ring them back asap.

 

i am unsure of what to do on this matter now and i dont want to be living in fear that they are going to be knocking on my door every five minutes and take my belongings.

 

HELP!

[loub]

can i also add they havent given me any time limit to respond to the letter before the visits, when i figure out how to put photocopy and upload as pdf i will do so

[BRIGADIER2JCS]

You should not have been given credit at 16, but can you tell

me when the last payment or acknowledgment in writting was

made?

These ''collectors'' have no authority you do not have to talk to

them or pay them any thing!!

If they turn uo refuse to answer security questions and tell them

to leave,.

 

My guess is the debt is statute barred, if no payment or written

acknowledment has been made for six clear years.

 

Please check your credit files, Equifax and Experian have free 30 day trials

Call Credit (Noddle is free).

[Crocdoc]

Scotcall are nothing more than commercial debt collection agents, they cannot under any circumstances enter your property or take anything from your home or outwith. You are under no obligation whatsoever to engage with the collector and he must leave when told to do so. Furthermore if the debt is as old as you state it will be Statute Barred unless you have made payment or acknowledged it in the past 6 Years (5 in Scotland)

 

With a bit more information we can talk you through it.

 

IMPORTANT. NEVER CONTACT DEBT COLLECTORS ON THE PHONE, THERE ARE NO EXCEPTIONS TO THIS RULE.

[loub]

hi, i cant confirm the exact date of last payment but it was approx 2 maybe 3 years ago.

i kept up payments through a debt management programme but i had to leave work for pers

 

onal reason so my income dropped and i have been recieiving benefits since feb 09,

i tryed to maintain payments through the plan but failed and the company didnt seem to be sympathetic and help me lower payments so i had to cancel the plan.

 

i applied for the express gifts though a t.v guide where u pay for goods and i didnt actually realise i was being set up a credit account

as i was young and silly and didnt read the smallprint,

 

however due to circumstances i did have to use the account anyway.

 

so should i ask for a copy of the credit agreement befor anything else?

[loub]

i will see if i can find any paperwork for last payment but i cant do this till later, school run lol....god this is stressful

[BRIGADIER2JCS]

Worry not about these people they have absolutely no

authority to do any at all they are not bailiffs.

You will get help and support here.

[Crocdoc]

There is nothing to panic about, however a CCA request would do no harm.

[loub]

okai i will request a copy of the credit agreement asap.

the last recorded payment that i can see i have made was may 2010.

where on this site could i find a template of a letter i can send asking for a cca, i am not very good with words

[Conniff]

Just to add my voice to the above - do not phone them ever

[BRIGADIER2JCS]

In the CAG library top left of page,directly under ''banks and credit''.

 

There is £1 stautory fee for this use a postal order.

Make sure you add ''I Do Not Acknowledge Any Debt To

Scottcall or any company you claim to represent.

The £1 statutory fee MUST NOT be credited to any

account as a payment.

[citizenB]

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

You will find the letter in the link above.

 

Please do not hand sign the letter - either PRINT or sign it digitally.

[dx100uk]

if its gone to snotcrawl

 

then i bet its 90% PENALTY charges too!!

or PPI. both can be reclaimed!!

 

get an SAR off unless you aready have all the statements.

[dx100uk]

treat it as a catalogue debt too

 

£1PCM max whatever you 'owe'

 

moved to the cat forum

 

Have a read of a few threads here too

 

you'll soon get the idea

 

dx

[loub]

thanks everyone, i found the template for cca, so i shall write to them asap. if they prove the debt is mine then i will offer payment of pound a month

[Conniff]

Take note of post #13 the most important post.

[loub]

okai what does the penalty charges and everything mean? and how do i find out etc

[loub]

The creditor this is related to is ccs/express gifts.. was known as studio gifts...

there is just so much to look through it confuses the hell out of me

[dx100uk]

if you are late paying or go over your 'limit'

or they have to write

or they have to phone you [even unanswered!!]

 

you'll have a £12 penalty fees listed on your statements.

 

as this has now been id's as studio , but in sheeps clothing

 

i bet you hsve loads.

 

ignore the DCA

 

and get that SAR off

 

dx

[loub]

okai bugger, i have just written the dca lol... no worries i will do the sar.. so in effect they cud owe me then?

[loub]

should i still write to them about coming to the door and request all communication is done through writing?

[loub]

and asking for the sar, does this mean i am admitting the account is mine after all

[loub]

should i send the cca or sar or send them both, see what comes through

[Conniff]

The cca is not as usefull as an sar. You know you signed up so save yourself a pound.

[BRIGADIER2JCS]

SAR to the OC CCAto DCA>