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IMFS Debt Collection?
david_cox1990
Posts: 50 Forumite
I had a random call from this company relating to a figure of £103.23 that I supposed owe TalkTalk from 2013. They only contacted me recently - until then I had no knowledge of said 'debt' existing.
For the record, it doesn't appear on my credit file in any way.
Do I have any rights with this now supposedly being from June 2013?!
For the record, it doesn't appear on my credit file in any way.
Do I have any rights with this now supposedly being from June 2013?!
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Comments
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Hi,You do not need to respond to calls, texts, or emails, if they bother to write to you, then send them the provit letter.Any tom, !!!!!! or harry can ask you for money, to comply with debt collection practices, they must write to you, and must provide evidence of liability when asked.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-letter1
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I was considering going down the GDPR route?
In my eyes I’d settle this debt and with them now contacting me some 7+ years later, surely they are breaking some GDPR regulations?0 -
Looks like this one https://www.imfs.co.com/
https://register.fca.org.uk/s/search?q=754982&type=Companies
It may be that the debt is statute barred after 7 years but the debt is still a debt. All they can do is ask for it as it may be no court action is possible.
As regards contacting you, as the debt is still owed the GDPR will come under "legitimate interest"
- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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