7 year old debt - Now coming to my home address?

RICK..._2

Hi all,

I had a debt with capital one some 7-8 years ago. I defaulted on it and the default dropped off my credit file last year.

I keep getting letters from the debt company that are STILL trying to chase me for it, which is Robinson Way LTD.

About 10 mins ago someone was hammering at my front door - I'm on nights so was in bed. Not expecting anyone so didn't answer, they posted a note through and it's from Robinson way home collections.

I have had no contact with them in about 6 years, not responded to their letters etc.

Is this a bailiff? Or simply someone to try and scare me into paying?

redsaxon

http://www.robinson-way.com/home/our-services/home-collection
Debt collection agency (maybe your debt was sold to them)

RICK..._2

Is there any way I can stop them from chasing me for it? Or stop them coming to the house at least?

SeduLOUs

Providing you haven't:
a) made a payment in the last 6 years
b) acknowledged the debt in writing in the last six years
c) had a CCJ against you for the debt

then the debt is statute barred and they can't chase you for it anymore.

There is some more information and some template letters you can use here: https://forums.moneysavingexpert.com/discussion/2606811

endora

RICK... wrote: »

Is this a bailiff?

NO!

RICK... wrote: »

Or simply someone to try and scare me into paying?

YES!

Bailiffs can't be sent without a court order. They would have to take you to court, obtain a CCJ where you will agree some payment terms, you'd have to default on those terms before they can go back to the court and obtain a Warrant of Execution. Only then can bailiffs get involved!

By the sounds of it, this debt is already SBd so they could never obtain judgment against you so the above will never happen.

Doorstep collectors/field agents sent by DCAs are NOT bailiffs, they have no powers and no right to be in your property. There's no law says you have to speak to them!

RICK..._2

Thanks for the replies! At least now I know I don't have to hide away if they come again!

Going to fire off one of those letters now

wanna-be-mortgage-free_2

Totally agree with the comment to totally ignore. It's SB. You could send an harassment letter.

Good luck.

midnight_express

RICK... wrote: »

Is there any way I can stop them from chasing me for it? Or stop them coming to the house at least?

Yes by paying what you owe. They can't take you to court but they can go on pursuing the debt.

fermi

RICK... wrote: »

Is there any way I can stop them from chasing me for it? Or stop them coming to the house at least?

If it's statute barred and you tell them that, the the OFT considers that:

"continuing to press a debtor for payment after he has stated that he will not be paying a debt because it is statute barred"

may "be unfair or improper practices".

AGB863

midnight_express wrote: »

Yes by paying what you owe. They can't take you to court but they can go on pursuing the debt.

But if he notifies them that the the debt is Statute Barred, then the law of the land states that they can not even ask for the money

Lunarbase_6

When the card was in operation,the bank will have made money from every transaction and cash withdrawal made on it, along with interest- at a highly inflated rate- on outstanding amounts. Its likely this process alone will have already have paid off the capital the original borrower spent.

Upon default the bank will have written off the o/s amount against tax. This saves them a lot of money. They then as soon as legally possible, invariably SELL OFF the debt to another agency, another way for them to pocket some extra cash.

By now, facturing in inflation etc it is extremely likely their initial capital outlay has been recouped in full and perhaps more some.

Also the money spent wasn't hoarded and/or saved offshore, it was put back into the economy by the aquisition of material goods. It was therefore productive, active money working within the economy.

This is putting aside the darker considerations of just what sort of 'money' the banks were/are lending in the first place. 97% of the money in circulation at the moment has been digitally produced- literally out of thin air- by private banks. This is a FACT albeit something not often shouted from the rooftops.

I get tired of these simplistic moral statements about modern debt. The private banks have created a fantasy economy these past 30 years, and Joe Public was suckered into it. Considering the above, 99% of people with real debt problems will have squared their situation with the banks- who are institutions that DO NOT lose out at all from the whole consumer credit/debt situation.

So anyone who decides they feel 'morally' obligated to pay third party dca's are supremely daft IMHO:))