Red debt collection letter

Maybe_Tomorrow

Hi,

I've seen advice a couple of times stating that any communications such as this should not be signed. I'm just interested as to why you should not do this.

Thanks in advance!
MT

Cka

As I am not 100% sure should I send letter asking for proof of debt?
Worried I may acknowledge it and be forced to pay....

fermi

Give https://www.nationaldebtline.co.uk a call free on 0808 808 4000 and see what they think?

give_them_FA

Maybe_Tomorrow wrote: »

Hi,

I've seen advice a couple of times stating that any communications such as this should not be signed. I'm just interested as to why you should not do this.

Thanks in advance!
MT

The rules on a debt being Statute Barred prevent it from being enforced if for over six years

1. You have made no payment on it and
2. You have not acknowledged in writing that you owe the money.

It was not unknown for dishonest debt collectors, if you gave them your signature, to forge a letter in which you admitted the debt.

Cka, if you are certain that this debt is from 2002 then it is well and truly time barred. Why do you think they are offering you a big discount on it, hoping you don't realise it and crack under the pressure?

The simplest thing is to totally ignore this because if they get no reply they WILL go away. They cannot take you to Court, they cannot send bailiffs, and no-one will call. They are just phishing to see if you are mug enough to pay.

Laugh at them, they are as convincing as the Nigerian e mail scammers. Why waste your time and postage on them?

If you must write, my favourite trick is to address it as "FREEPOST", put no stamp on, and write at the top of the envelope "Open with care, cheque enclosed". The Post Office then makes them pay over £1 to get the letter.

If you openly take the p out of them they will realise they aren't going to con you and look for easier targets.

OH AND WITH YOUR LAST POST Cka- Once a debt has gone statute barred (which yours would have done in 2008) it can NEVER be revived again even if you did acknowledge it- which, if you ignore, you won't.

Cka

Thanks to the above!! :T

I ignored And heard no more until today! I have received a letter from advantis credit!
They have been instructed by their client Lowell group to undertake debt recovery action against me for £365.97
Still phishing? Or should I respond with a prove it.?

Thanks in advance u lovely lot!!!!

Cka

Anyone help???

taffy056

The alleged debt is statute barred, so there is no point sending a prove it letter just send them a letter recorded from here.

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

Cka

Received a letter from Westcott today.... still phishing is it the same company under a different name again? Still ignoring..... yawn when will the get bored?