Wilkin Chapman WITHOUT PREJUDICE SETTLEMENT OFFER

[Michael1111]

Hello, I was wondering if anyone can help me.

 

About a week ago (i work away, have just picked up my post)

 

I received an e-mail from Wilkin Chapman Solicitors (Arrow Team) offering me the chance to pay off my debts,

or they'll advise their client to issue County Court proceedings.

 

They've given me 21 days, although due to only just getting back, that's now 9 days.

 

There are a few strange things about the letter,

firstly it doesn't specify what the debt is (although I know where it's from, silly, drunken, student mistakes)

and merely state the debt is from Arrow rather than the original loan company. Seems strange to me.

 

Secondly, I'm almost 100% sure I haven't make any contact with anyone about this loan for around 6 years,

so could potentially use a statute barred letter?

Although I'm not 100% if it has been 6 years.

 

Thanks in advance.

 

Also, have registered for experian, am awaiting the arrival of the pin to check my credit record.

If it turns out I have made a payment within the last 6 years and am not eligible for Statute barred,

do I have many other options?

 

Michael

Edited September 15, 2013 by Michael1111

[Michael1111]

Just to add, I haven't made written contact but have talked to people on the phone

[dx100uk]

ok well stay off that phone

 

no DCA or their fake/tame solicitor for hire

are BAILIFFS and the have NO such legal powers.

 

never ever discuss your debt on the phone!

 

writing ONLY.

 

if these muppets are offering a discount

 

it means there is something WRONG with the debt

 

could be

PENALTY charges

could be PPI

could be statute barred

could be crap paperwork

 

or a mixture of the lot!!

 

CRA file as you've done is the way to go.

 

just dot forget if Arrows etc have purchased these debts

that means the original creditors sold them

there will be a VERY good reason why they didn't get you in court!

 

for now i'd do nowt till the cra appears.

 

prob the debts don't even show as they are that old.

so...SB'd most probably.

 

just remember

that the debt industry fire 100'000's of these 'speculative' letters out daily.

 

they are after catching MUGS that know no better than to pay a debt they prob DONT OWE!!

 

dx

[Michael1111]

Thanks so much for your reply, I'll await the pin and check it out as soon as possible.

[Michael1111]

It is showing default from this year, although haven't paid anything. Just going to fire off the statute barred letter and see what they say.

[sillygirl1]

I would hold on, and not do any kind of reply and see how long it is before the next level of threat letter happens.

 

If you send off the statute barred letter now you may end up playing a very long game of letter tennis with them.

 

Contact the original creditor instead and ask them when the last payment was made on the account and that should help determine how close it is to SB status.

 

Just because the new owner put a default from this year does not mean that is the TRUE default date, this occurs a month after the missed payment (correct me if I am wrong here).

 

They have used that date as the date they took ownership - and you can complain to the OFT about that.

[dx100uk]

what is the org default date in the debt summary?

 

are you sure that's not the updated default date.

 

ideally a debt should be defaulted on the third missed payment [cause of action]

and certainly within 6mts for sure

 

re ICO guidelines.

 

dx