debt from 11 years ago!!!!!

RAS

Hi Slayer

Generally better to start a new thread, but there is a chance that vikki will get the same response, so it will not harm her to know how to deal with it.

This thread has been written for another OP today, who got exactly the same letter.

http://forums.moneysavingexpert.com/showthread.html?t=494921

They are trying it on.

if they sending any more letters threaten to report them for haressment

angelavdavis

See posts on this thread

http://forums.moneysavingexpert.com/showthread.html?t=494921

Similar issue, they are obviously getting smart to the fact that people are actually more aware of their facts.

In short - ignore them. If they threaten litigation, Rog has posted some advice.

angelavdavis

Sorry Ras, missed that one

rog2

Slayerboom wrote: »

My wife had the same problem with a debt from 12 years ago. I knew there
was something about old debts couldnt be collected after so long so I looked
on the web and found here .

I sent the second letter above to the debtors collecting the debt the other
day and got the following reply.


We refer to your recent letter in respect of the above account.

Your reference to the Statue of Limitations is not relevent. We do of course
fully understand Statue but it is very often misinterpreted by debtors and
their advisors. We have neither threatened nor suggested litigation, hence it
is repeated that reference to that Act is not relevant.

There is no legislation that precludes a creditor from legitimately requesting
payment of a debt which reamins outstanding and due. Indeed we could
argue that any debtor who recognises that such a debt exists, has a moral
obligation to address his responsibility. A credit facility has been provided by
a bank or finance house, consequently it is up to that customer to honour
his obligations.

GE Capital Bank Limited has confirmed that there is an outstanding balance,
currently amounting to £333.51. If you believe the account has been fully
repaid, would you please provide evidence of such repayment, perhaps by
way of a receipt or a paid in full letter. GE Capital Bank Limited has no record
of the account being repaid.

If it is the case that you have simply overlooked this account because of its
age, we are prepared to be constructive and apply a significant discount
rather than consulting with our Solicitors about potential further action.
Therefore, we will accept 50% of the current outstanding balance in order to
bring matters to a close, provided payment is made with a short period of
time. We need to receive payment of the discounted balance by 09/07/07.

We look forward to heaing from you.........................


I am sorry for the long post, plus posting ontop of someones thread, its just
seemed to fit. I dont really understand the legal jargon, so if any of the top
people on the forums could advise us further, it would be greatly appreciated.

Kind Regards

Tony.

This, or very similar, letter appears to be a standard DCA letter to anyone who refers to an alleged debt as statute barred.
Whilst carefully worded, the letter is intrinsically wrong, as it is against the OFT guidelines to continue to press for payment of a 'debt' when the debtor has refused to pay as the 'debt' is statute barred.
In fact, the letter COULD be interpreted as harassment, which is contrary to the Administration of Justice Act, 1970, and could be treated as CRIMINAL.

Slayerboom

Thanks everyone for the reply's. It is very much appreciated. Also again sorry
for jumping onto this thread.

Tony

uncle_pablo

Keep us posted on the outcome!CheersPablo

redpoison

hi guys sorry to jump also just found this via google..

I have had a le tter from jb debt recovery (on behalf of cap recovery)regarding a debt i had about 7 years ago.. i left that address and never paid it.. this year i got myself into debt with littlewoods catolouge and they passed me on to a debt company ok no probs there i have arranged and am paying it.. BUT this other debt from 7 years ago is littlewoods too.. confused? lol

anyway i sent them my financial statement and offered to pay them £10 after a letter and lots of phone calls to me..

have i messed it up for myself? i have just wrote out the second letter above (thankyou) but like i said i allready sent them my financial statement... (hoping it gets lost in post somewhere)

what shall i do?

thankyou

sorry again to jump the post..

JayneC

Hi all,

Just thought I would share my experience.
OH received a letter re very old debt which he replied to stating it was statute barred, etc... the company continued to send letters asking for payment but did eventually stop (can't remember who it was). However i received similar letter and just completely ignored it and heard nothing more. May be worth just ignoring letters?? they are obviously trying it on knowing they can't enforce the debt.

jayneX

Shell68

Hello, I have only just registered (bout 15 mins ago!). I need some advice please. My partner has just received a letter from Mackenzie Hall about a 'perosnal matter'. I think it may be to do with an unpaid debt from over 10 years ago. We havent had any correspondence regarding this in 10 years. Can the letter be ignored?

redpoison

shell print one of the letters out above and send it to them....