Debt recovery after 6 years??

woolfordjnr wrote: »

Hi all! I have just had RED DEBT contact my wife under her maiden name, So they are chasing the wrong person or the right person dependant on which way you look at it!:rotfl: BUT BUT BUT without going down that line i shall just respond the same way to which i did with.. and some may know these people McKenzie Hall debt collectors based in scotland. I wrote to them with this letter template which was kindly supplied to me by a very kind debt lawyer who gave me invaluable advise for free (very nice man) and emailed this template! I MUST STRESS THIS... i sent this ONCE and.... never got any more grief ever again:T .... apart from it looks like RED have purchased the debt or theyre the same under a new banner, Either way they are having this letter. This letter differs from some i have seen as it really put the the DEBT people in a position of proovinng the debt in some deatil and lets them know of the consequences of not doing so and persuing in the fashion theyre scaring you into thinking will happen (YEAH RIGHT).....

Hi
The best way to deal with them is to reply to them using the following statements :-
]I do not acknowledge ANY debt to your company[/b]. I require you to supply the following documentation before I will correspond further on this matter.
1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.
2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.
3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.
Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.
As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.
Take note at this stage, that any legal action you may contemplate will be both vigorously defended
Send the letter recorded delivery and keep a copy.
If you have any other financial problems we would be happy to assist. Should you want us to do a FREE, proper assessment of your credit commitments. Call us direct on 01732451133
Wally Stone
Senior adviser
GOOD LUCK ALL hope this help

Woolfordjnr:money:

Novice99 wrote: »

Hi Everyone,

I was in the UK between 2002 to 2005 and returned in Jan 2011. I had some debts during that time for Mobile Contracts and Credit Cards.