Taking the moral lowground?

nrsql

You might just say that you did not have any agreement with them and so are not willing to discuss the matter with them and ask them not to attempt to contact you again.
If Lloyds TSB would like to get in touch then you would be willing to discuss the original transaction.

aliasojo

See here for more info on the subject of the 6 year statute of limitations.

Contains_Mild_Peril

Quasar wrote:

I have heard of scams whereby people purporting to be legit companies send bills in the hope of getting payment.

They target either people with a history of debt, especially if a confused one so chances are good the "debtor" will assume he/she owes the money.

Or they target companies by sending invoices for small amounts so they easily slip through the net and get paid.

This is just a thought of course. In your case, James, it may well all be legit. I just pointed out the above so that you don't leap before you look.

Good luck.
Q

I had similar concerns when I read the original post. This sounds a bit dodgy to me. I would advise contacting Lloyds TSB to ask them about it. I wouldn't want to see you paying money to some rip-off merchant.
Even if you did originally owe the money, and Lloyds TSB did pass it onto this company, they're taking the !!!!!! a bit asking for it after all this time with no prior attempts to contact you. The limitation rule is there for a reason.
If it makes you feel better, you could offer what you consider to be reasonable settlement, e.g. just a little more than the original debt plus inflation. Make it perfectly clear that you are aware that you are under no legal obligation to do so.

file_wizzard

Contains_Mild_Peril wrote:

I had similar concerns when I read the original post. This sounds a bit dodgy to me. I would advise contacting Lloyds TSB to ask them about it. I wouldn't want to see you paying money to some rip-off merchant.
Even if you did originally owe the money, and Lloyds TSB did pass it onto this company, they're taking the !!!!!! a bit asking for it after all this time with no prior attempts to contact you. The limitation rule is there for a reason.
If it makes you feel better, you could offer what you consider to be reasonable settlement, e.g. just a little more than the original debt plus inflation. Make it perfectly clear that you are aware that you are under no legal obligation to do so.

Before you go any further I would advise that at the very least you to obtain a copy of the deed of assignment from lloyds TSB ( without acknowledging the debt )

At least in this way you can be sure that you are actually paying the debt owed, and not being taken for a ride by a less than reputable company

Robert_Sterling_3

Jamer wrote:

To be honest Jamer

A worthy aim.

Harassed_2

Try this one:

I do not acknowledge ANY debt to your company. 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 and contested.

Turning_into_scrooge

If 6 years has passed, they cannot enforce this debt.