Robbersway chasing 10yrs old ex Barclaycard debt - prove it letter or statute barred letter?

[montymongoespana]

thank you for reading and any advice you can provide me.

 

i have an old cc debt that I have not paid since around 2012.

I have recently received numerous letters and also phone call about this.

Refused to talk to them and never responded to letter.

 

I am 99.9% certain that this is statute barred although have no paperwork so cannot be sure that the dc letters are in regards to this matter.

 It is not showing on any of my crfs. checked all of them...

 

want the badgering to stop now

do i send them prove it or statute barred letter, or a combination of both?

 

The 0.01% uncertainty of it being SB is making me think I should sent prove it letter first but do not want to admit any liability and set things off further.

 

Is there a letter that combines both prove it and SB that I should use?

 

Genuinely cannot thank you enough for this forum and for any advice you can give.

[dx100uk]

a prove it letter is a total waste of time

and you cant reset any SB clock by merely sending a letter whatever it is unless you specifically state i owe you this debt and sign it.

 

whats the debt all about and who is chasing you?

what was your last payment date  or use date of the card and to whom?

have you moved since taking this card out and failed to update the debt owner of the move regardless of any time limits?

[montymongoespana]

what's the debt all about and who is chasing you? Egg / Barclaycard DC is RH

what was your last payment date  or use date of the card and to whom? last payment approx 2010 (wrong date on previous post)

 

have you moved since taking this card out YES and failed to update the debt owner of the move regardless of any time limits? Possibly

 

Thanks for responding and your help

[dx100uk]

RH you mean robbersway sorry robinson way?

 

if you've not paid anything to anyone since 2010

send our sb letter from the debt collection section of our library.

 

you should never be moving without updating your debt owners on any debt that you might have paid toward or used the said credit within say 7yrs

you risk a backdoor CCJ you'll know nothing about.

[montymongoespana]

RObbersway 

Ive checked and i dont have any ccjs on my crf.

In theory, could the DG bring a claim against someone after the 6 year period if that person had not updated them with their new address? Just asking that bit out of interest

Will send the SB letter.

Thanks again for your help, much appreciated

 

Don't seem to be able to access the SB letter as it is saying I need to register, but I am logged into my account? Any help much appreciated along with advice on my last question about someone not updating their address. Thank you

[dx100uk]

yea ok have patience we are volunteers you know.

 

we call backdoor CCJ's roboclaims. northants bulk issues 750'000 a year - that exactly why it was setup by the court system

as no-one checks anything and no humans is ever involved

so yes you can get get a CCJ on an SB'd debt if you've not told the debt owner where you now live

there are 100's of backdoor CCJ threads here already.

[montymongoespana]

sorry didn't mean to come across as demanding...apologies

I know that I don't have a CCJ but i was wondering if a DC could bring a CCJ against someone after they had not been in contact for over 6 years, on the basis that the debtor had not told them that they had moved, ie could the DC use that as a reasonable reason to extend the 6 year period? Even if the debtor had not acknowledged the debt or made any payments, for over 6 years. sorry I know what i am trying to say but probably not expressing it very well.

[AndyOrch]

Yes they can......its irrelevant if its statute barred or not...because they will get a default judgment but only if you have moved and not informed them of your new address...as your previous known address is deemed good service.

 

If you have informed them of COA and you have not made payment or acknowledged the debt within a period of 6 years (5 Scotland).....you simply defend on the basis of the claim being statute barred...but you can only do that if you get the claim form and defend in full....hence the need to keep your address up to date on all financial matters.

 

The statute of limitations can not be extended in any scenario.....but who would know unless you defend the claim.

 

Andy

 

 

[montymongoespana]

Thanks for the insight

They have my current address now (10 years later) and  havent already brought a CCJ against me (none of the letters they have sent make any mention or threat of court action), and they are writing to me at my current address as listed on my crf file. So, if I send them the SB letter, they have nowhere to go with chasing me any further then?

[dx100uk]

 

and any other like debts

since the millennium it's no longer viable to run away from debts.

 

thread title updated and moved to the BC forum

[montymongoespana]

i dont know what you mean 

please dont judge me

[dx100uk]

not judging you at all

what don't you know what i mean?

 

[montymongoespana]

and any other like debts

since the millennium it's no longer viable to run away from debts.

[dx100uk]

i'm pointing out that now you've got this one sort

you also need to make sure you have no other old debts in the same boat.....

[montymongoespana]

this is it thankfully, no others to report

you think that the SB letter will sort it then?

[dx100uk]

read it then you'll understand why

 

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...