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Carbot playing tricks .
stapeley
Posts: 2,315 Forumite
CARBOT are playing tricks with accounts . Had a letter claiming that the original owner of a debt had applied a fee incorrectly. They claim that a refund has been forwarded to them and were now sending a cheque to me, claiming account is still active . If its what I think it is , it would have been statue barred five years ago! I BELIEVE they want me to bank the cheque and by doing so, some how reactive their claim . I,ve just put a line through it and returned.
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Once it is statute barred I don't think they can then change the status and try and legally pursue you for the debt even if you did in future acknowledge the debt.
Is it definitely statue barred?"We act as though comfort and luxury are the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about” – Albert Einstein0 -
Correct, once statute barred it stays that way.
"a right of action, once barred by this Act, shall not be revived by any subsequent acknowledgment or payment"
Besides, acknowledgement must be made by you in writing, or payment by you.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
CARBOT are playing tricks with accounts . Had a letter claiming that the original owner of a debt had applied a fee incorrectly. They claim that a refund has been forwarded to them and were now sending a cheque to me, claiming account is still active . If its what I think it is , it would have been statue barred five years ago! I BELIEVE they want me to bank the cheque and by doing so, some how reactive their claim . I,ve just put a line through it and returned.
How much was the cheque for ?
As the others have said, the statute barred status cant be changed, I`d bank the money if I was you.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Was for £50 . This would then provide a paper tail for them. Last payment would have been something like 8 years ago.0
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Was for £50 . This would then provide a paper tail for them. Last payment would have been something like 8 years ago.
So same advise still applies, once statute barred, always statute barred, nothing they or you do, can change that status.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Another letter , with Capita on the back received. A quick look at website tells me , they are a full of !!!!!!!! company , management of accounts etc blur blur blur .
Looks like photo copied heading , saying Bank of Scotland .
Says we noticed you have not banked cheque . Well they also did not notice , i put a line through it and sent it back !0
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