Amusing emails between my partner and "ken" @ TBI Financial Services (Re: alleged Llo

FireWyrm

little_miss_muppet_face wrote: »

Excuse my ignorance but why do you not want to pay the money back that you clearly borrowed ?
I dont get it ...

Dont confuse the moral argument with the legal one. Legally, the OP is perfectly entitled to ignore requests for payment 6 years after the fact. The law is there for a reason, otherwise, creditors long since forgotten would be crawling out of the woodwork and demanding money for debts they cannot any longer prove since the paperwork was long since lost. 6 years is about the limit that most companies hold onto information for and any longer means that it is unreliable.

Morally speaking, that's down the OPs own concience and none of your concern. This forum is for plain advice, nothing more.

little_miss_muppet_face

Well, sorry for asking.

I thought this forum was about moneysaving..
Not trying to get out of paying debt.

Ridiculous.

FireWyrm

little_miss_muppet_face wrote: »

Well, sorry for asking.

I thought this forum was about moneysaving..
Not trying to get out of paying debt.

Ridiculous.

This forum is about all sorts of subjects. I repeat, dont confuse the moral argument with the legal one. Also, you might one day be very glad of the 6 year rule. In some cases, people have struggled for ages to get past their bad credit and then suddenly out of nowhere years afterwards comes yet another debt. In most cases, the 'debt collectors' collecting this money are not working for the original creditor, they are ambulence chasers just out for themselves and hoping to get as much as possible from the debtor for a debt that has long ago been paid over and over again because it has been sold over and over again.

little_miss_muppet_face

Fair enough

When you put it like that i see where you are coming from.

I did say at the beginning however that i didnt get it.

And that is genuinly because i couldnt understand why
it read to me like someone was boasting about having one over the debt collector or whoever they are. Was it a boast ? i dont know.. maybe i read it wrong.

I know about debt... I lost a property 15 years ago due to a relationship breakdown, had to hand over the keys, owed the bank thousands once they sold it at auction.. entered into an IVA who took every spare penny i had for 3 years...

I didnt miss a payment. I paid my debt

And thats what i couldnt get

Anyway.. doesnt matter. dont want to offend the OP.

Thanks for helping me understand

Gordon_Hose

There are many, many ways people get into debt. Sometimes it's through their own fault, sometimes through events out of their control.

If you're made redundant all of a sudden and can't meet minimum payments, get hounded firstly by the bank, then by a DCA who get increasingly more threatening, yet all the while refusing to accept offers of payment plans, reduced payments for x months. Threatening court when they have no right to, threatening you with Bailiffs when they have no right to.Basically pushing some people to the edge, and ultimately to take their own lives. Yes, it does happen. All the while these people have tried time and time again to sort it out, pay what they owe, but get nothing but threats back and the lies DCA's tell.

People hounded for money they don't even owe. People hounded for money their recently deceased parents left owing with no estate.

Well, yeah. I'd use the law to my benefit without hesitation.

BASFORDLAD

Gordon_Hose wrote: »

Best hope he doesn't file a claim within the next few weeks then. And if he's aware of your involvement with these forums you've just tipped him off as to the SB date.

Funny emails from him though, you can feel him getting wound up!

He can indeed do that, but by the time i had to put my defence in (after asking for the extra 28 days to reply (from the date of service) then it would be SB by then

Yes that's why we replied when i said i wouldn't send anymore

I was just mimicking and taking the micheal

I am really honoured though to be known by them !

TBI is not a company ive really heard of before until he called up saying "expect a letter in the post as we didnt want to scare"

FireWyrm

BASFORDLAD wrote: »

He can indeed do that, but by the time i had to put my defence in (after asking for the extra 28 days to reply (from the date of service) then it would be SB by then

Yes that's why we replied when i said i wouldn't send anymore

I was just mimicking and taking the micheal

I am really honoured though to be known by them !

TBI is not a company ive really heard of before until he called up saying "expect a letter in the post as we didnt want to scare"

Statute Barred timer runs from the last date of WRITTEN acknowledgement of the debt. If you get someone prepared to accept a liberal interpretation of 'written', your email a full 22 days prior to the deadline might well have reset the counter and given the creditor another option.

BASFORDLAD

FireWyrm wrote: »

Statute Barred timer runs from the last date of WRITTEN acknowledgement of the debt. If you get someone prepared to accept a liberal interpretation of 'written', your email a full 22 days prior to the deadline might well have reset the counter and given the creditor another option.

Ill be quite happy to get it tested in the county court

Thes the second hurdle for them to pass, if they can provide a credit agreement (which i doubt they will)

But i actually doubt if it will go to Court,

Role on if it does!

Gordon_Hose

22 days and counting then

BASFORDLAD

Gordon_Hose wrote: »

22 days and counting then

Yes but i fear our wait will be in vain and we will just get the standard threatograms