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bailiffs
vij1366
Posts: 117 Forumite
help!
need advice fast .
in 89 i ran up my credit cards to the hilt to save my business,but it folded ,i evenuattly paid everyone off (7 c/c) but had default notices on the accounts.i beleive i had paid off barclaycard and they said no .i asked from them for proof that i ahd not paid and they never sent anything to me .so they put a default notice on the account .i didnt bother i was paying off the other six off.which were paid off so from 1990 to 1996 they defaults all came off including the barclaycard one .its now 2006 and i just got a nasty shock that athe debt has been passed onto another company who now want to chase this debt
where do i stand ?
any help please
i cant afford to pay this off as i am currently 45k in debt and apying off all my creditors but without missing any payments .
can this co chase me for this ?
:mad:
need advice fast .
in 89 i ran up my credit cards to the hilt to save my business,but it folded ,i evenuattly paid everyone off (7 c/c) but had default notices on the accounts.i beleive i had paid off barclaycard and they said no .i asked from them for proof that i ahd not paid and they never sent anything to me .so they put a default notice on the account .i didnt bother i was paying off the other six off.which were paid off so from 1990 to 1996 they defaults all came off including the barclaycard one .its now 2006 and i just got a nasty shock that athe debt has been passed onto another company who now want to chase this debt
where do i stand ?
any help please
i cant afford to pay this off as i am currently 45k in debt and apying off all my creditors but without missing any payments .
can this co chase me for this ?
:mad:
:EasterBun
0
Comments
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Providing you don't acknowledge the debt, it should be statute barred as it is over six years old.0
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If you have not made any written acknowledgement, or offer to pay, within the last 6 years, then this 'debt' will most likely fall under the 'statute barred' legislation and will be unenforceable.
Do not reply to the DCA - there is a thread, with a template letter - I will try and find a link.
Who is the DCA? Some DCA's specialise in trying to collect these old 'debts' and will use all sorts of tactics to frighten you into paying.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
The letter you need to send is on post 2 of the following thread:
Follow the advice given by File_Wizard, to the letter and they should leave you alone.
Good luck :beer:
Rog2I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
T H A N K S
just seen the trhead and have done the letter will post it r/del
:A :T :beer: :beer: :T :A :j:EasterBun0 -
Not Mackenzie Hall by any chance, is it?0
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How did you guess ????????????
:eek::EasterBun0 -
vij1366 wrote:How did you guess ????????????
:eek:
Many of us have had the dubious pleasure of dealing with these vultures:mad: :mad:
Just send the letter - before the trolls start. :rolleyes:
Cheers
Rog2I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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