thames credit limited

jo78

hi i received a letter of these last Saturday about a very old ( 10 yrs ) store card debt id forgotten all about

any way i sent the usual letter about the credit agreement

today iv received a letter saying that they are not the original creditor and that they have purchased the debt and the right to collect the balance and that they did not purchase the actual agreement

however as a matter of good practice we will seek to obtain a copy from the original creditor and if available they will send me a copy

and that if GE are unable to provide a copy of the said agreement , that does not mean that we have no right to continue to request payment of the outstanding balance

so what do i do know are they taking the p i liked the bit at the bottom the best we still can continue to request payment ( ye but that doesnt mean you'll get it )

thanks for the help

rayday2

There is a letter on the national debtline website regarding chasing debts over 6 years old but I believe they do loose there right to take actions unless it has had a CCJ against it then the rules are slightly different.

I am not too up on it but didn't want to ignore your post.

redpoison

found the letter.... send them this letter: edit accordinly DO NOT SIGN send recorded (keep tracking number safe)

Dear Sir/Madam
Acc/Ref No 4563210025897412
You have contacted us regarding the account with the above reference number, which you claim is owed by
ourselves.
We would point out that under the Limitation Act 1980 Section 5 .an action founded on simple contract shall
not be brought after the expiration of six years from the date on which the cause of action accrued..
We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that .it
is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation
period..
The last payment of this debt was made over six years ago and no further acknowledgement or payment has
been made since that time. Unless you can provide evidence of payment or written contact from us in the
relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any
court action against us to recover the alleged amount claimed.
The OFT Debt Collection Guidance states further that .continuing to press for payment after a debtor has
stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to

section 40 (1) of the Administration of Justice Act 1970..
We await your written confirmation that no further contact will be made concerning the above account and
confirmation that this matter is now closed.
We look forward to your reply.

Yours faithfully