Legal action pending?

mr_jma

fatbelly wrote: »

In most cases GPB is just a letterhead used by iQor - does the letter not say 'don't reply to us, reply to iQor'?

You presumably would have told HBOS that you were stopping payment because you regarded the account as unenforceable in 2008 and their 6-year window for testing this in court started then. You must be careful not to extend that period by acknowledging the debt

It appears that HBOS still owns the debt. iQor will probably pass the debt back when they have exhausted their standard letters, but court action can't be ruled out. If you must write, start your letter with

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

It has been passed around a lot, this is the second time iqor have dealt with it, last time I told them it was in dispute then they passed it on and eventually it went back to hbos who then started sending me statements. I ignored iqors letters this time but now they have sent a letter which seems it is direct from gpb asking me to call them on their number to arrange payment. They have used the word "may" when refering to taking legal action. Their previous letter was just a letter head of GPB.

I have always sent template letter which included the bit about not acknowledging any debt to them.