Text Messages Opos

fatbelly

bdazzling said:

Thank you all. I will await the letter and then follow Sourcrates advice. As long as I know its not going to affect my credit rating then I’m much happier.  I will tell them I believe its statute barred and then see what happens. Hopefully as you say they will then drop it and stop hassling me.  Thanks for making me feel better about it ! 

Definitely ignore it until they write.

The problem with saying 'it's statute barred' is that you are also saying 'this is my debt and I know the history of it'. If that isn't true then you may be causing yourself more problems than you solve.

So if they do write, I'd suggest a prove-it as the sensible response

bdazzling

Thanks all. I’m waiting to see if the letter arrives, although I think it will come.  So then I go with Prove It first followed by Statute Barred, is that correct.  

Also if by any chance it was mine (I did get some  ccj’s many many years ago) is the Statute Barred still applicable as nothing shows on my files?  Thanks

fatbelly

You have to assume that if there was a ccj on this, they would let you know.

One step at a time. They haven't even written properly yet.

RAS

Creditors need to enforce a CCJ within 6 years, or get permission from the court.

bdazzling

So the letter did arrive in the mail today, offering the deal that I have already posted above, I have again checked all 3 credit agencies and there is still nothing showing on any of them so my question is what do I do now?  

Do I continue to ignore them and hope they don’t take further action (the letter says they will) or do I go down the Prove it or Statute Barred route please?  I really don’t know what to do for the best.   What happens if I take either of these options and they keep coming back to me demanding payment? Or worse still increase the amount they are demanding ?  I can upload a copy of the letter tomorrow if that helps?

Thank you all again for your continued advice & support

fatbelly

So they've written to you about a debt that you've no idea what it is, doesn't appear on your credit reports and they've immediately offered an 80% discount.

It doesn't sound like they are very sure about this.

As everyone has said, send the prove-it from the stickies

Rob5342

Don't get too worried about the letters, they word them to try and scare you by implying things or saying what may happen. I had a letter from ARC Europe that said I needed to contact them within 14 days or they would take "continued recovery action". It was clearly written to make me think it was some sort of legal notice, but the 14 days was just some arbitrary time they had stated and the "continued recovery action" was another letter offering me a discount. They gave up and passed it to someone else when I ignored it.

It sounds like they are after a quick buck, do the prove it letter as advised.

RAS

At this stage, I wouldn't bother. The rules change in a couple of weeks.

Unless you get a letter before action, just don't bother responding.

sourcrates

Hmmm conflicting advice, RAS makes a good point, and that will be the likely outcome here.

However, by now your curiosity will probably have got the better of you, so if you want to know what this was all about, and to put it to bed once and for all, send them the "provit letter".

I have linked to it here -

Letter when you know nothing about about the debt - AKA "Prove it" letter — MoneySavingExpert Forum

When, or if, you get a response to this, then you can send the statute barred letter, if appropriate.

If they don`t respond to it, than that`s the end of the matter, as I said earlier, these companies are going hell for leather trying to cash in on these old accounts right now, but would be nice to know.

bdazzling

sourcrates said:

Hmmm conflicting advice, RAS makes a good point, and that will be the likely outcome here.

However, by now your curiosity will probably have got the better of you, so if you want to know what this was all about, and to put it to bed once and for all, send them the "provit letter".

I have linked to it here -

Letter when you know nothing about about the debt - AKA "Prove it" letter — MoneySavingExpert Forum

When, or if, you get a response to this, then you can send the statute barred letter, if appropriate.

If they don`t respond to it, than that`s the end of the matter, as I said earlier, these companies are going hell for leather trying to cash in on these old accounts right now, but would be nice to know.

So would you think I should ignore completely or send the prove it letter ? In view of the change of law etc ? Thanks