Intrum statute barred debt

Yve45

I got a letter from Intrum with regards to a debt i had no idea about, it said on the letter that they would not be perusing the debt through the courts because the statute of limitation however they would offer me a discount to pay off the debt. 

So i contacted the original bank who said yes the debt is old and also they had paid about £300 to Intrum because they had discovered that my account had been charged interest when it should not have been. However Intrum makes no mention of this money in their letter and i don’t even know if this amount was taken off the balance that was originally due. 

What should i do? Do i contact them and say use the money that was owed to me and paid to them to cover the debt or ignore them? As they have admitted that the debt is out of date however they also say that they are within their legal rights to ask me to make a repayment. But no mention of sum received from bank. 

Also i have noticed a lady who drives to my street she comes a few months before some random dodgy letter comes to my house could she be tracking me and can i report her to the police. The last time i saw her car was at the start of the lockdown. She comes with different cars and never leaves her car but always drives off as soon as i come out of my house or get home. 

fatbelly

You could just point out FCA rules:

"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8
We would ask that no further contact be made concerning the above accounts 

sourcrates

They can ask you to pay, but cannot enforce their rights through the court, so they would be relying on your goodwill to pay.

You can do what Fatbelly suggests, write and tell them to go away, or you can just ignore them, as they already know they cannot take you to court.

I would also forget about the £300.

Intrum have been known to use doorstep collectors, who also post these letters on their behalf, they are just self employed individuals, with no more power or authority than next doors cat, so hopefully dodgy lady, and dodgy debt will both disapear soon.

Karonher

What exactly is the lady doing that makes you want to report her to the police? Is she trespassing?

Yve45

sourcrates said:

They can ask you to pay, but cannot enforce their rights through the court, so they would be relying on your goodwill to pay.

You can do what Fatbelly suggests, write and tell them to go away, or you can just ignore them, as they already know they cannot take you to court.

I would also forget about the £300.

Intrum have been known to use doorstep collectors, who also post these letters on their behalf, they are just self employed individuals, with no more power or authority than next doors cat, so hopefully dodgy lady, and dodgy debt will both disapear soon.

Are they able to sell it on to another debt collector and keep harrassing me... Because they obviously never contacted me and i feel as though they got my details through the bank who paid them. I dont know why if they are so willing to reach a settlement not just use the money they have already recieved to cover it. The whole thing strikes me as them just trying their luck i know that the limitations act is applicable as they even state it but i cant understand why they feel its ok to take money and just keep asking for more and not even refering to it. 

Yve45

Karonher said:

What exactly is the lady doing that makes you want to report her to the police? Is she trespassing?

Well shes making me feel uncomfortable considering i am the only person of colour on my whole street and she keeps coming and parking watching me and my child qnd driving off it made me really scared. But now its all adding up.... i also think that i may have located her and shes running and private investigation company as well as offering old people help with their will. So if its her then shes as dodgy as anything.... 
And please before anyone even goes down that road i was concerned before all the recent events before i get attacked for playing “the race card”. Im just voicing it now as you asked me. 

Carrot007

Yve45 said:

Are they able to sell it on to another debt collector and keep harrassing me... Because they obviously never contacted me and i feel as though they got my details through the bank who paid them. I dont know why if they are so willing to reach a settlement not just use the money they have already recieved to cover it. The whole thing strikes me as them just trying their luck i know that the limitations act is applicable as they even state it but i cant understand why they feel its ok to take money and just keep asking for more and not even refering to it. 

Yes currently they can (and will probably sell it on).

You owe the debt so until told not to persue they can ask for it. This does get reset AFAIK for the next purchaser (who would buy a debt they cannot ask about?).

Yes it sucks. As it is accept it and send the letter and and when needed, or pay it off. It's not going to appear on your credit file so no trouble (and it is did you would probably get a token compensation after it's removal so all win).

Yve45

Carrot007 said:

Yve45 said:

Are they able to sell it on to another debt collector and keep harrassing me... Because they obviously never contacted me and i feel as though they got my details through the bank who paid them. I dont know why if they are so willing to reach a settlement not just use the money they have already recieved to cover it. The whole thing strikes me as them just trying their luck i know that the limitations act is applicable as they even state it but i cant understand why they feel its ok to take money and just keep asking for more and not even refering to it. 

Yes currently they can (and will probably sell it on).

You owe the debt so until told not to persue they can ask for it. This does get reset AFAIK for the next purchaser (who would buy a debt they cannot ask about?).

Yes it sucks. As it is accept it and send the letter and and when needed, or pay it off. It's not going to appear on your credit file so no trouble (and it is did you would probably get a token compensation after it's removal so all win).

But its statute Barred? Why would you sell a debt that is statute barred? And i have read that it cannot be reset as its been way over 6 years even they have conceded and stated that its expired. I will contact them and use the original answer as i have had a look at the FCA website and read it. I don't want compensation i just want to be left alone. You cant just come out of the woodworks after more than 6 years and ask me to settle a debt i knew nothing about..... its ridiculous.  

sourcrates

Ok, some clarity, you simply send the statute barred letter to them, advising you will not be paying as they have confirmed themselves, it’s statute barred.
Make your letter a complaint, they have 8 weeks to send you there final response, if you remain unsatisfied, escalate your complaint to the FOS.
They cannot sell the debt on whilst a dispute exists, if they do, it’s another string to your bow.
Dont get paranoid about this, it will end.