IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Pace Forward?
Closed Thread
Views: 13,330
Thread Tools Search this Thread Display Modes
# 1
Shoe Gal
Old 07-04-2009, 9:02 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2008
Location: Manchester
Posts: 7,131
Question Pace Forward?

Hi

I have today received a letter from a company called Pace Forward. It is addressed to my current address, where I have lived for a couple of years, but in a name I haven't used for 17 years!

It's very vague, says they are trying to trace the above named on a personal matter and to call to acknowledge or be removed from their mailing list

I don't think I have any debts in this name although it is possible that it could be an old catalogue or something. I have definately not used the name for 17 years

I know not to call them but should I just ignore them completely? Surely any debt this old would be statute barred anyway? Or are they relying on me not knowing that?

I would be gratful for any advice

Thanks
Shoe Gal
Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
Total debt @ Oct 2008: 29,226.42 Current target : Luma Card - 798 527
Weightloss : 4/8lbs
Shoe Gal is offline
Report Post
The Following User Says Thank You to Shoe Gal For This Useful Post: Show me >>
# 2
Wol2
Old 07-04-2009, 9:09 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Dec 2007
Posts: 3,788
Default

Hi Shoe Gal

Sounds like fishing that may hope to come up with a bite. Therefore my gut instinct says....send it back with "not known at this address"....but written by someone else ( so no handwriting samples)

However I bow to the expertise on this forum....

Hugs Hun

We both post/lurk (well lurk in my case ) on numerous "shared" threads......

xxxx
Flooded 20/07/07 .
Normal service FINALLY RESUMED 31/07/10
" It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
Numptie groupie #2
Mortgage offset drawdown 60861.... 60074 59967 65k 'ish 1/6/14

Wol2 is online now
Report Post
The Following 2 Users Say Thank You to Wol2 For This Useful Post: Show me >>
# 3
h4ppiness
Old 07-04-2009, 10:04 PM
MoneySaving Convert
 
Join Date: Aug 2008
Posts: 20
Default

Hi Shoe Gal - A tricky one I think - temptation to find out what they want versus possibly opening a can of worms!

My view - don't touch it with a barge pole!! Ignore the letter and get on with your life. Regards
h4ppiness is offline
Report Post
The Following 2 Users Say Thank You to h4ppiness For This Useful Post: Show me >>
# 4
10past6
Old 07-04-2009, 10:09 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2007
Posts: 4,874
Default

Send them the following letter

Dear Sir/Madam

Account no:

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that I have no knowledge of any such debt being owed to (insert company name).

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable.

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed, otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I look forward to your reply.

Yours faithfully

Print only - do not sign

USE S SMITH as a name, the onus is on THEM to prove the debt.
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
10past6 is offline
Report Post
The Following 2 Users Say Thank You to 10past6 For This Useful Post: Show me >>
# 5
Shoe Gal
Old 07-04-2009, 10:31 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2008
Location: Manchester
Posts: 7,131
Default

Quote:
Originally Posted by 10past6 View Post
Yours faithfully

Print only - do not sign

USE S SMITH as a name, the onus is on THEM to prove the debt.
Thanks for this

Can I just check - does this mean use a 'made up' name, neither the one on the letter or the name I use now?

Thanks SG
Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
Total debt @ Oct 2008: 29,226.42 Current target : Luma Card - 798 527
Weightloss : 4/8lbs
Shoe Gal is offline
Report Post
The Following User Says Thank You to Shoe Gal For This Useful Post: Show me >>
# 6
10past6
Old 07-04-2009, 10:37 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2007
Posts: 4,874
Default

Quote:
Originally Posted by Shoe Gal View Post
Can I just check - does this mean use a 'made up' name
Yes

They don't need to know who you are
Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
10past6 is offline
Report Post
The Following 2 Users Say Thank You to 10past6 For This Useful Post: Show me >>
# 7
moonlightpjs
Old 07-04-2009, 10:49 PM
Serious MoneySaving Fan
 
Join Date: Nov 2006
Location: In The Wild, Wild Wood
Posts: 1,463
Default

Hi
I am not on the boards much now but was lurking and could not read and run.

Personally, given the amount of time that your name has been changed and guessing that this letter is not addressed to your current name, I would ignore it.
The onus is on them to find you and prove you are the person that they are looking for and if, like you say, your name was changed 17 years ago it is very likely to be statue barred (unless there is a debt you have paid something to in the last 6 years, if so send the letter posted by 10past6). If you havent paid towards "a" debt then ignore it or send it back like Wol said - "This person does not live at this address".

Without you informing them of your change of name, it seems to me they are just fishing and they can't do anything unless they can prove it is you - if so they then have to prove you have not admitted liablity of the debt or made any payments to the "alleged debt" within the last 6 years.

It also might be worth getting a copy of your credit report to see if there is anything on there, either an outstanding debt or a search from Pace Forward - that may give you an idea who, if anybody, is chasing you and what debt, if any, it applies to.

Hope this makes sense, let them do all the work, they cannot do anything legally.

HTH X
moonlightpjs is offline
Report Post
The Following 3 Users Say Thank You to moonlightpjs For This Useful Post: Show me >>
# 8
bigbum
Old 07-04-2009, 11:31 PM
Serious MoneySaving Fan
 
Join Date: Mar 2009
Location: playing with 'little danger'
Posts: 865
Default

You've already had some good advice here, but i'd just like to add that my mum received something similar last year. A letter demanding payment for monies owed was sent addressed to her maiden name and to her old address (which is my current address).

I was worried that she might be hounded for a debt and offered to investigate on her behalf, but she's not so easily intimated and promptly binned the letter saying she didn't owe money to anyone and if they thought she did, let them prove it.

We haven't heard a dicky-bird since. Like someone else said, they're probably just fishing.
bigbum is offline
Report Post
The Following 2 Users Say Thank You to bigbum For This Useful Post: Show me >>
# 9
fermi
Old 08-04-2009, 7:57 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Apr 2007
Location: Planet Express
Posts: 33,405
Default

I certainly wouldn't start using "made up" names and responding with those. Or in your own name for that matter. May open a can of worms uneccessarily at this stage.

As said, this is a "fishing" exercise.

Your best bet is to just ignore this initial letter. You may well hear nothing more.

They don't know where you are really, and you can't say for sure they are actually after you.

Should you receive any more definite correspondence, then we can then deal with it. That may be disputing the debt is yours or telling them it is statute barred etc..........

But for now I would ignore.
I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
fermi is online now
Report Post
The Following 2 Users Say Thank You to fermi For This Useful Post: Show me >>
# 10
doodledo
Old 08-04-2009, 8:04 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2007
Posts: 4,654
Default

I agree with Fermi I would ignore the letter.
Proud to be dealing with my debts - DFW No: 712

03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - 10/5000
doodledo is offline
Report Post
The Following User Says Thank You to doodledo For This Useful Post: Show me >>
# 11
whiteroom184
Old 08-04-2009, 6:27 PM
MoneySaving Stalwart
 
Join Date: Apr 2008
Posts: 203
Default

just search for the term "pace forward" on the internet and you will see what comes up!!
[CENTER]May 08 22k Aug 10 12k March 11 16k Aug 11 12k Aug 12 16k Cash Windfall lucky me Sept 12 8k Feb 13 6k Jan 14 6k
whiteroom184 is offline
Report Post
The Following User Says Thank You to whiteroom184 For This Useful Post: Show me >>
Closed Thread

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 10:30 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 10 September 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile
  • It's winter for me today on @itvthismorning. I'm taking energy bills and as switching can take 2mths, you need sort it now to beat cold snap
  • Again to those asking me Phones4u questions pls inc the #MSEphones4u tag my team will go through it in the AM (im not at desk hence why)
  • Got questions on your rights with Phones4u going into administration? We'll get a full Q&A together tomorrow am pls tweet with #MSEphones4u

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • VARIOUS ARTISTSKEEP CALM & CHILLOUT
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)
  • ED SHEERANX (DELUXE EDITION)

MSE's Twitter Feed

profile
  • Phones4U has fallen into administration, according to reports. We will explain what it means for customers in a full Q&A tomorrow.
  • RT @MartinSLewis: Got questions on your rights with Phones4u going into administration? We'll get a full Q&A together tomorrow am pls tweet?
  • What's going on with energy prices? We've asked energy experts to tell us their predictions on when prices will rise. http://t.co/bTw5jTaUi5
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.