Red Statutory Demand......help please.

bflare

Hi all,

I apparently have an outstanding debt of £237.48 to Shop Direct & now i am guessing Red have bought the alleged debt. I cannot remember any dealings with Shop Direct plus the letters from Red have been adressed to Antony and not Tony as i am called. Anyway i have two questions:

1. This is the letter i have received, what does it mean?

Final Communication
This is the final communication you will receive from Red Debt Collection Services in relation to payment of this account. It is very disappointing that you have chosen not to respond to any requests for repayment despite us offering you on a number of occasions the opportunity to pay a small monthly amount to clear debt.


What happens next
The next contact you receive will be from a process server who will be serving you personally with a Statutory Demand. If you fail to comply with the terms of a Statutory Demand, Lowell Portfolio Ltd (*Lowell) may petition the court for your bankruptcy. Alternatively, you may receive a letter from the court regarding legal proceedings, which Lowell may issue you against you or a debt collections agent who will be visiting you at home to discuss repayment.
If you want to avoid any further action you must set up a payment plan now. We are still willing to accept monthly payments of £15.


2. I also have another alleged debt that Red are chasing me for thats around £2000 but its over 6 years old so im guessing it Stature Barred, due to this i have ignored the letters from them. If i decide to pay the above in installments will that indicate that i must of received the other letters as they have been posted to the same address.


Thank you for reading.


Any help appreciated.


Tony.

rizla_king

If they issue a SD then ask for help here http://www.legalbeagles.info/forums/forumdisplay.php?145-Bankruptcy-amp-Statutory-Demands

sourcrates

Well the good part of this is that they cant make you Bankrupt for a debt less than £750.00, if you only owe £237.00 why don't you just pay it, or agree instalments ? save yourself all this hassle.

rizla_king

They think another £2K is owed, which would be plenty and over the £750.

VitaK

You need to establish if the debt is genuinely owed by yourself. If you don't recall any dealings with Shop Direct and they got your name wrong, then there is a chance they are chasing the wrong man.

fatbelly

Debt 1. The Shop Direct Group is a large group of catalogues, including Littlewoods. Send a prove-it and see what comes back.

https://forums.moneysavingexpert.com/discussion/2607247

Debt 2. On the other debt you need to establish whether there has been a period of six years in which you did not acknowledge the debt by payment or in writing.

The letter in post#5 of the following might be appropriate if they have already told you that this is an old debt. Otherwise post #2 if you accept that it is yours but can be sure that it's statute barred.

https://forums.moneysavingexpert.com/discussion/2606811

You do have to take this seriously as Lowells do issue SDs and do follow through with a bankruptcy petition.

Of course, if you were considering bankruptcy as an option, Lowells might be about to save you £700 in fees.