Debt Managers LTD / doorstep agent visit

justcallmek

Hiya I've just joined and wondered if anyone could give me some advice....

I received a letter today from Debt Managers LTD informing me they will be instructing their ''doorstep agents'' to visit me.
The debt it concerns - I haven't made a payment or acknowledged since May 2006, so I was about to shrug it off & put it in the bin, thinking it was statute barred, but I checked my credit report, and it states the date of default is 27/02/2007 - I'm pretty positive it didn't say that last time I looked. So, what I want to know is...

Can an agency update my credit report with incorrect information - and what shall I do about this letter?
also, what the hell is a doorstep agent, is it a bailiff? :question:

Walaboobah

A bailiff is a Court Appointed officer who can only visit I believe if a County Court Judgement has been awarded.

Unless this is the case then presumably the "doorstep agent" is another name for a Debt Collector who has no rights whatsoever to come to your property demanding money

bargainbetty

Send a prove it letter, and add a section revoking their implied permission to attend your property. Also advise them that you will not accept any communication from them except in writing. Then wait and see what they do.

They hate that.

VitaK

The default date is irrelevant in terms of the statute of limitation period. What matters is when you acknowledged the debt.

Doorstep agents are not bailiffs.

justcallmek

VitaK wrote: »

The default date is irrelevant in terms of the statute of limitation period. What matters is when you acknowledged the debt.

I've never actually acknowledged the debt, so the default date should be the date of last payment on the original account (before it was passed over to collection agency), right?

VitaK

A relevant action under the Limitaion act 1980 has to be made by you, i.e. written acknowledgement or part payment, and not an action by the lender. i.e. them issuing a default of notise.

Lensman_2

In England and Wales, a debt barred by statute (the Limitation Act 1980) is merely unenforceable. It is an absolute defence to a county court claim, but no more than that.

The debt still exists and can be claimed from your estate when you die.

In Scotland, the debt is extinguished after 5 years - a much fairer system IMO.

However, creditors will respect a statement that you will not pay and to cease further communication. Be prepared to have this ready for multiple DCAs as they pop up from time to time.

A good template letter is here:
http://forums.moneysavingexpert.com/showpost.php?p=34906201&postcount=2

Jinx

justcallmek wrote: »

Hiya I've just joined and wondered if anyone could give me some advice....

I received a letter today from Debt Managers LTD informing me they will be instructing their ''doorstep agents'' to visit me.
The debt it concerns - I haven't made a payment or acknowledged since May 2006, so I was about to shrug it off & put it in the bin, thinking it was statute barred, but I checked my credit report, and it states the date of default is 27/02/2007 - I'm pretty positive it didn't say that last time I looked. So, what I want to know is...

Can an agency update my credit report with incorrect information - and what shall I do about this letter?
also, what the hell is a doorstep agent, is it a bailiff? :question:

Do you have an old copy of a credit report floating about or the old letters that might show the correct default date? The reason I ask is that one of my old debts had a 'new' more recent default date and I had to have it corrected.

Coincidentally I got a letter similar yesterday and I'm ignoring it - its got about 20 months for the default to die and I plan to state to any doorstep agent that I dont have any debt and oh by the way do you have a CCA with my signature??:D