Debt letter from CCSCollect

Product

Hi everyone, hope this is the right place to post

I recieved the following letter from CCSCollect today:

Dear Mr ******

Our client reference: **** Ccs reference:****

We are attempting to contact the above named person regarding a personal matter. Following investigation we have been provided with the address above as the likely current residential address of Mr **** *****.

If you are the named person above, please contact us on 0800 781 4720 quoting reference number ******** and we will be able to give you further details of the matter we need to discuss.

If however -
YOU are NOT the person named above or possibly have information regarding the whereabouts of Mr **** ****, then please contact our investigation team in confidence on the number above, or email us at [EMAIL="correspondence@ccscollect.co.uk"]correspondence@ccscollect.co.uk[/EMAIL].

Yours sincerely

Sam selby
ccscollect

I received a similar letter about a year or so ago that i didn't respond to (may have been a different company, may have been the same).

I assume they are contacting me about a specific debt from many years ago, as this is the only debt i am aware of that i have not dealt with. The last time i talked to any company about this debt would have been in 2008 or before. But definitely not after October 2008. This i know for fact. I believe i made a payment or two in 2008 (again nothign after October 2008), but haven't paid anything since. I can't remember if there was a CCJ made in regards to this debt, but that would have been over 10 years ago if there was one.

Can any of you fine folks tell me where i stand with this and what course of action, if any, i should take in regards to it?

fermi

If they are after what you think, then is likely statute barred given what you have posted.

To be honest though, unless they can be bothered to wrote properly setting out exactly what they are after then I can't see any point in responding in any way.

Product

Thanks for the quick response! Would the fact there may have been a CCJ in regards to this debt make any difference? This CCJ would have happened prior to 2004. The reason i say might, is that it was so long ago, back when i was more than al ittle careless with my money. so i can't remember if the CCJ i had at the time was in regards to this debt or another that i have long since cleared.

fermi

Well a CCJ would prevent it being statute barred.

On the other hand if they haven't bothered to try to enforce it in over 6 years then the courts own rules mean they could only do so with permission, which they are unlikely to get.

See the explanation here.

http://forums.moneysavingexpert.com/showpost.php?p=66318338&postcount=5

sourcrates

Advice is generally to ignore unless a specific debt, name etc is mentioned, it sound like a fishing trip to me.

Product

Thank you for the further info. I will ignore it until i receive something more specific.