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Sending letters to DCA's.. advice please?
Comments
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Well I suppose we could as the letter as sent to Dh's old address but would rather just get it sorted as you know full well it'd keep coming back to haunt us..
Yeah, that's probably the best course of action.0 -
You could ignore them, but that won't stop the letters turning into harassment - which you really don't need.:beer:
You really have nothing to worry about - a statute barred debt is uncollectable.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 -
So what will happen once we've sent the letter? Will they keep on writing to dh or will it just stop? I presume they'd have to provide proof that there was payment/acknowledgment within 6 years to take him to court?
Sorry for all the questions! Just want to be able to give DH all the info he needs when he gets back tonight.Total 'Failed Business' Debt £29,043
Que sera, sera.
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immoral_angeluk wrote:So what will happen once we've sent the letter? Will they keep on writing to dh or will it just stop? I presume they'd have to provide proof that there was payment/acknowledgment within 6 years to take him to court?
Sorry for all the questions! Just want to be able to give DH all the info he needs when he gets back tonight.
UNLESS they can prove that there has been either written contact, or any payment within the last six years the letters MUST stop, otherwise they will be committing a serious criminal offence. This is also explained by File_Wizard in the thread that I posted the link for.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 -
Thanks
You've been a great help. Total 'Failed Business' Debt £29,043
Que sera, sera.
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immoral_angeluk wrote:Thanks You've been a great help.
You're welcome i_e. Don't ever be frightened by Debt Collectors - they are trained to 'intimidate' yet they can not act outside of the law.:beer: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
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