Formal Demand from Debt Management Limited

sassy_one

Hi

I am going to try and cut a long story short;

In 2003 I fell behind on a number of payments on my bank account, they wouldn't take my instalment offer and after they passed it to a Debt recover agency (DRA) I ignored all letters from them as there was no way i could repay them.

The sum is for £212

However, a week ago I have received a letter from a company acting on behalf of the bank owed the money, they are Debt Management Limited, which after a look on line it would appear they are a higher end DRA than a lot like Wescot etc.

In there letter they state that I have failed to repay the debt and that there client has requested proceedings.
What I am very confused about is, for over 6 years I have had no contact from them, making this debt invalid.

Not only that, there is something which i think could be criminal in there letter, they state they will be calling upon me between 3pm and 10:30pm on July 5th!

Surely this would commit an offence under the Protection from Harassment Act?

Please advise

DarkConvict

Yes, after 6 years of no contact it will be statute barred. use this template - http://forums.moneysavingexpert.com/showthread.html?p=11571227#post11571227

Many debt collectors often threaten to visit, sometimes they do, sometimes they don't. Often its to ensure your inside to receive a phone call...

Its not illegal to call to the house, but you can issue them a letter telling them to stay off your property. In addition OFT guidelines state you must agree to an appointment, they just cannot send people over.

OFT - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
Letter - http://forums.moneysavingexpert.com/showpost.html?p=33792303&postcount=38

fatbelly

Hi

You're right and wrong...

Wrong that DML are a high-end outfit. Bottom-end more like.

Right that this is statute barred. You need to inform them of the fact and state that you will not be making payments.

Template letter here