Just had 4 letters come to my address HELP !!

[darcyleverfc]

Hi again guys,

 

Just wanted advice on these 2 bank debts please.

 

Nationwide and Natwest

 

Nationwide was a overdraft for £1,300

Natwest was a overdraft for £1,700

 

I received today 2 letters for each debt.

 

1 from Red, one from Lowells.

 

I have checked my credit files and these were on there last year but have now dropped off my report. - Last payments to both were before 2006

 

What should I do with the letters?

 

Thanks in advance

[silverfox1961]

What should I do with the letters?

 

Hi

Save the letters and either ignore Red & Lowell (the same company) or send the Statute Barred letter from the library

[darcyleverfc]

So they can send letters to me if they like and spend lots of money doing so, but can't actually make me pay.

 

So I can just ignore them they wont be able to take me to court/issue bailiffs for the debt?

 

With it being bank charges / credit card is it still the same 6 years and basically tough **** to the debt company who bought the debt for nothing

 

thanks for replying

[silverfox1961]

Any debt where no payment nor acknowledgement of the debt in a period of 6 years is statute barred. They may try to take court action but if it is the case that no payment etc. then they should fail.

 

They may try to get a CCJ on an old address so it would be worth updating their records for them in the SB letter

 

Whilst they cannot force you to pay, they can ask you to. Just as I can! In both cases, you would tell me to go forth and multiply

 

Debt collection is speculation at it's lowest. They have paid peanuts for this debt in the hope you are not clued up enough to challenge them.

 

Don't be to surprised if the Leeds Losers suggests a payment has been made in the last 6 years. Once challenged, they soon crawl back under the rock.

[darcyleverfc]

so would you send them a SB letter then with my new address (the one they now have, as i am on the electroll register for the first time in 6 years)

Tell them that it is SB and then wait for them to say a payment has been made (which I know it hasnt, as I have been avoiding these since at least 2004/05)

 

Thanks and could you possibly link to the letter for me as im new to this stuff L)

[silverfox1961]

Adapt this one to suit.

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

Don't worry about them. They can do bu**er all

[darcyleverfc]

THANKS!!!!

 

Do I just send it to RED / or / Lowells or both?

 

and is it just a case of sending to the address at the bottom of the letter the sent

[silverfox1961]

As I said, they are both the same company. In fact they are probably desks next to each other.

 

I would be heading my letter:

 

Dear Lowell, Red, Tom, Dick, Harry and uncle tom cobley (just to wind them up)

 

One letter to Lowell should do it

[silverfox1961]

Oh yes, send the letter Recorded Delivery as you will be surprised just how many letters to DCA's 'vanish' ??

[darcyleverfc]

Sweet!!

 

Thanks for your replies.

 

Feeling a little less stressed about this now.

 

(oh and I wont sign it either, haha cheeky ba%$£$ds)