Global debt have written to my parents & ALL my cousins & relatives over a statute barred ebt!

[jackie2125]

Hi,

 

I am concerned because Global Debt Recovery are sending debt letters to my mother in laws house. I have never lived there (or even stayed there overnight). They have my correct address so I am assuming this is a scare tactic.

 

I am curious to know if they are allowed to do this and if they are allowed to search for my relatives addresses when the debt is nothing to do with them. None of my finances are joint with my wife.

 

Any advice appreciated, thanks.

 

Jackie

[dx100uk]

nice lot

 

can you check your CRA file please

 

see below

 

is this address shown anywhere?

 

if not, or if the debt they are chasing does not show

then they are well out of order

 

and need reporting to the FOS/ICO/OFT/MP and TS

 

dx

[BRIGADIER2JCS]

Are these letters clearly addressed to you, and do know what the DCA is chasing.

Follow dx 100s advice check credit files.

[jackie2125]

Thank you dx and Brig,

 

I have checked my Equifax credit file and its I am not linked to my mother in laws address at all.

 

The debt is for a dell computer which I purchased in 2004. Its the CIT group who I owe the money to.

[BRIGADIER2JCS]

When was the last payment made on this debt please and what is the default date?

[dx100uk]

2004?

 

well dead!

 

dx

[ericsbrother]

They are being very naughty linking addresses via your other halfs name. they know it but it doesnt stop them being stupid and think themselves above reproach. If you want to take matters further you can but you will ahve to sort out this outstanding alleged debt first. Undoubtedly statute barred so they are not going to get anywhere by continuing as they are. I'm sure the Brigadier has a template letter he can rustle up that suits the occasion if you want it.

[dazza12]

Global were very sneaky with me a few years ago. They had trouble getting hold of me so appear to have just trawled the phone book looking for possible relatives who subsequently received letters. They then passed it to Thames Credit, then to Akiv Kapital, then keep passing it out to others. All these companies are the same organisation, just different desks in the same office.

 

Let your MIL know it's safe to ignore them. Every threat says that they MAY do this and that, not that they WILL, as they have no powers at all, even less so now the debt is statute barred.

 

In my own case I've just ignored it. My debt with them was SB'ed about 3 years ago, and it's fun to get a letter every two weeks offering me a new discount. Every time they sent out a letter its costing them.

[jackie2125]

Hi,

 

I have now found out that as well as writing to my mother in law they have also written to my sister in law, brother in law, my sister and my mother!

 

I stress that I have and never have had any joint finances with anyone. The people above all live at different addresses and I have not lived at these addresses.

 

At the moment I am in the process of getting my credit reports and helping them to get a copy of theirs.

 

The debt is for a dell computer which I offered to pay £10 a month for when I lost my job years ago, they got nasty at the time and demanded more money, so wrongly I know, I stopped paying. They have my address and it was this address that I wrote back from.

 

I feel really violated. I wonder who else they have written to that I don't know about.

[renegadeimp]

Time to get a full complaint into the ICO and OFT. The debt is also well statute barred.

[Newborn]

Sounds to me like the DCAs are getting desperate and are hoping that they can trawl about to find a kindly relative to pay this off for you!

 

They can also then try the old statute barred clock stop thing because a payment was made and hope to rely on peoples' ignorance of the law.

[unclebulgaria67]

Suggest a written complaint to Global Debts Head Office compliance manager, advising that you are giving them an opportunity to answer why they have sent letters to various relatives for a statute barred debt, before you pass this over to the ICO.

[renegadeimp]

I would disagree UB. I would file that complaint with the ICO and TELL the DCA what i am doing. If they have any sense, watch them roll over and beg for forgiveness.

[dx100uk]

Sounds to me like the DCAs are getting desperate and are hoping that they can trawl about to find a kindly relative to pay this off for you!

 

They can also then try the old statute barred clock stop thing because a payment was made and hope to rely on peoples' ignorance of the law.

 

urm no..

 

an un-authorised payment from a third party does NOT reset the SB date

 

dx

[BRIGADIER2JCS]

I agree certainly no unauthorised payment can restart the SB clock, also this conduct has gone far beyond giving Global 'a chance' pointless really.

[DonkeyB]

Er, hang on a minute.

 

Brig’s post #5 remains distinctly unanswered.

 

Where is the evidence that this account is statute barred? The OP has not yet given any date for the last payment, only that £10 a month was being paid.

 

Come on Caggers, please base your posts on the facts given rather than assumed!

 

Over to you, jackie2125. When did you last make a payment to this account or acknowledge the debt in writing? If it was more than six years ago (before, say, June 2007), or five years in Scotland, then it is likely to be SB. But it’s worth checking first.

 

But definitely go for the jugular re contacting the OFT and ICO about the letters to your family.

[jackie2125]

Hi,

 

sorry I have been slow to get back to this. I applied for an updated copy of my credit reports and I only got the passkey through the post for Experian today.

 

I stopped paying for this by 2008 at the latest. I am not proud that I didn't pay them what I owed but I was gravely ill and had to stop working, this is not a sob story, but being a matter of a couple of weeks from death and only being saved due to a double organ transplant really puts important things ahead of finances.

 

This debt is not on my credit file at all. I have gone through it with a fine tooth comb. My credit file is correct about all my other finances. The only credit I defaulted on was this Dell one. My previous address is on there (I moved in 2003).

 

So am I right in thinking the best thing to do is to write to the Information Commissioner and Office of Fair trading? I could put a copy of the debt letters I have been getting to my correct address as well as copies of the ones sent to my family.

 

Thanks so much all for being so helpful.

[BRIGADIER2JCS]

Ok Jackie, what we need to know is have you made any payments in the last 6 years and/or written any acknowledgment of the debt.

At present without the information asked for contact with the regulators would not help.

What is the default date on the credit file, this is important?

[citizenB]

Yes - take copies of all the letters that have been send to the different addresses as well as those that have been sent to your correct address and let the OFT know what this disgraceful company are doing.

 

 

 

So am I right in thinking the best thing to do is to write to the Information Commissioner and Office of Fair trading? I could put a copy of the debt letters I have been getting to my correct address as well as copies of the ones sent to my family.

 

[jackie2125]

Thank you citizenb

 

Brigadier, I don't know the last date that I made a payment. It was no later than 2008 (that is also when I stopped having contact with them). The debt is not listed on my Experian or Equifax credit file (not under any other names either).

[BRIGADIER2JCS]

Hi, Jackie this is why I was wondering if in fact the date of the last payment and the default were much earlier than 2008, defaulted accounts are removed from credit reference file on the 6th anniversary of the default date, meaning that the last payment date was up to 5 months prior to the default, which would indicate that the debt could be statute barred.