statute barred debts? great universal and activ capital

[tanya101]

My parents have one debt each. One from great universal catalogue which was last paid £15 years ago. The other an old debt about 13 years ago from comet for a tv that had about £100 left to pay but the balance is now over £900 which is now with activ capital.

 

These haven't been acknowledged in this long. Are these statute barred and how do I proceed from here?

 

Thanks

[dx100uk]

they are sB'd

 

and should not be showing on their CRA file.

[tanya101]

we've never checked their cra files to be honest as they dont have a bank account or debit card etc, just a post office account, we didnt really see the point. but since ive been looking into this i know its worth it and i i think i'll do that later.

 

do i need to send these places a letter as they contact my parents all the time!

[tanya101]

also, as they haven't got debit cards and dont want one, and would get in a complete muddle if they did. (theyre so old school its unreal!) we havent been able to set them up with an account with a cra as you need a card to confirm your identity.

 

they both get a small amount of benefits to live on as theyre both disabled and they like to just draw the cash out of their post office account!

[dx100uk]

if they are just getting phishing letters

 

then simply ignore them if you are sure theres been no payment in more than 6yrs.

 

I would not go entering letter tennis.

 

dx

[tanya101]

they get letters all the time from various debt collection agencies. and phone calls every day!

 

Theyre feeling like theyre being harassed!

 

T

[dx100uk]

if their debts really are +10yrs old then that is surprising.

 

you might have to do the £2 job to get the CRa files.

 

dx

[oleg]

I think d x means *not* go entering letter tennis. But in your case , as long as they have not acknowledged in writing in last 6 years, you must send the S B letter, and nothing else. That should stop the threat mail. If it doesn't, come back and we can deal with it.

[dx100uk]

 

silly me

[tanya101]

Thanks guys!

 

They definitely haven't acknowledged the debt in a very very very long time. In fact I don't think they've ever sent them letters (they're not letter writing kinda folks!)

 

I'll send the sb letter tomorrow

 

Thanks again!

T

[tanya101]

guys ive searched for ages for a template for a stature barred debt letter and i just cant find one!

 

Well actually i found one but for some reason cant open it.

 

any pointers would be so helpful!

 

T

[ims21]

guys ive searched for ages for a template for a stature barred debt letter and i just cant find one!

 

Well actually i found one but for some reason cant open it.

 

any pointers would be so helpful!

 

T

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred(1-Viewing)-nbsp

 

Amend to suit.

[tanya101]

ive just looked at my dads Activ Kapital letter and its ridiculous and I really dont understand what they get from sending a letter like this.

 

The outstanding balance is £404.09 and the letter says " at the bottom of this letter you will find a gift voucher especially for you. this voucher can be used to pay off your account, you just need to pay the remainder of the balance before 31st jan 2014.

 

Use the voucher worth £323.27 and pay the remaining £80.82 before the end of Jan. If you dont contact us we'll have to choice but to pass your account to our external agents 'Empingham'

 

Ive tried to attach a pic of the voucher below, not sure ive done it right!

 

T

[dx100uk]

convert to PDF please

 

that's a discount offer = no debt.

 

dx

[tanya101]

I've got absolutely no idea how to convert it to a pdf!

 

The debt is 15 years old and the last time my dad spoke or made a payment was over 8 years. They randomly just started contacting him again so I'm guessing it's statute barred and the gift voucher offer doesn't make a difference,? Plus the £327 is all charges!

 

Anywho, done the sb letters and sending in the morning

[BRIGADIER2JCS]

AK have loads of very old GUS accounts one SB letter will stop the harassment.

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[tanya101]

the voucher pdf

[dx100uk]

you need to ditch the ref number!

 

dx

[tanya101]

Ok I think I've deleted the pdf now, didn't even notice it was a ref number!

[tanya101]

Update!

 

Wrote a letter to activ kapital for my dad

 

saying the debt is statute barred and

 

they replied this morning saying they agree and

 

the account is closed and they'll no longer chase the debt and

 

dad won't hear from them anymore!

 

Result!

[oleg]

Excellent news. Hope your parents can enjoy watching the postman sail right by from now on.

[dx100uk]

until they sell it on that is.

 

dx

[tanya101]

That killed my happiness! Lol

 

Then do I just send the same to the new company?