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meritforce letter final demand time barred offer
spiro_gi
Posts: 8 Forumite
Hi everyone and thanks for any help.
few weeks ago i received a letter from meritforce stating the usual, someone coming round in 10 days blah blah so i ignored it. the debt i have was from years ago and i know they specialise in unenforceable debt. i got a free experian report and had the guy update it and nothing on my report at all even after he went through my old addresses. therefor i believe my debt has dropped off as older than six years with no written acknowledgment or payment of that debt. so i ignored said letter (and secretly hoped they would send someone round).
got a new one today saying FINAL OFFER IMMEDIATE ACTION REQUIRED and that i had further 7 days to pay their 'gesture of goodwill' reduced offer if not then they fully expect me to 'honour the outstanding balance by means of a monthly payment.'
my questions are said i send off the debtline statute barred letter to these muppets or just ignore them again. as it is statute barred can they put a default on my credit report or threaten legal action. on the new letter there is no mention of further action so i take it they cant. i moved around alot so i am unsure of whether i had a ccj aainst me for my old debts, if id did does that mean that they can try for it even if the ccj for it is over 6 years old? like i said there is nothing on my credit report as my younger idiotic days are long gone and now my credit report is sweet. thanks ever so much
few weeks ago i received a letter from meritforce stating the usual, someone coming round in 10 days blah blah so i ignored it. the debt i have was from years ago and i know they specialise in unenforceable debt. i got a free experian report and had the guy update it and nothing on my report at all even after he went through my old addresses. therefor i believe my debt has dropped off as older than six years with no written acknowledgment or payment of that debt. so i ignored said letter (and secretly hoped they would send someone round).
got a new one today saying FINAL OFFER IMMEDIATE ACTION REQUIRED and that i had further 7 days to pay their 'gesture of goodwill' reduced offer if not then they fully expect me to 'honour the outstanding balance by means of a monthly payment.'
my questions are said i send off the debtline statute barred letter to these muppets or just ignore them again. as it is statute barred can they put a default on my credit report or threaten legal action. on the new letter there is no mention of further action so i take it they cant. i moved around alot so i am unsure of whether i had a ccj aainst me for my old debts, if id did does that mean that they can try for it even if the ccj for it is over 6 years old? like i said there is nothing on my credit report as my younger idiotic days are long gone and now my credit report is sweet. thanks ever so much
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Comments
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The statute barred letter do not acknowledge the debt, and if you send it they must prove the debt is not statute barred as asking for payment on an SB debt when the debtor states they will not pay is unlawful hassasment.
If its not on your credit files i doubt it would suddently start to show up, especially if its only a DCA holding the account. And if it is SB, then they cannot get a CCJ even if you write to them. Send the template is my advice - https://forums.moneysavingexpert.com/discussion/comment/11571227#Comment_11571227Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
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