Unexpected Debt Letter

sourcrates

Notahipster said:

I have now had two texts messages asking if I could call them or access their online portal. Wrongly or rightly, I have decided I will wait until they give me proof of said debt, but without contacting them. Again, thank you for the input!

They will only provide proof "on demand", when you ask for it, you can ignore texts/emails/calls etc, but if they should write to you asking for payment, then send the "provit letter".

Nothing else at this stage, don`t otherwise engage with them, a "provit letter" is specifically worded so as not to acknowledge the debt.

fatbelly

Yep. You are right to ignore text messages.

When you get a letter actually asking for payment, that is the time to ask them to prove it

Cashmygiro

I received a letter out of the blue yesterday too from Intrum for an old Lloyds Bank debt which went statute barred 10 years ago. I really can't believe I'm receiving this letter especially considering I sent them the prove-it letter many years ago when they were called 1st Credit. The last correspondence I had from them was in 2015!

fatbelly

Cashmygiro said:

I received a letter out of the blue yesterday too from Intrum for an old Lloyds Bank debt which went statute barred 10 years ago. I really can't believe I'm receiving this letter especially considering I sent them the prove-it letter many years ago when they were called 1st Credit. The last correspondence I had from them was in 2015!

Are they actually asking for payment or is it info-only?

Cashmygiro

fatbelly said:

Cashmygiro said:

I received a letter out of the blue yesterday too from Intrum for an old Lloyds Bank debt which went statute barred 10 years ago. I really can't believe I'm receiving this letter especially considering I sent them the prove-it letter many years ago when they were called 1st Credit. The last correspondence I had from them was in 2015!

Are they actually asking for payment or is it info-only?

Asking for payment. Included was a "Resolvecall" letter saying they would visit if I don't pay or call them. Which I'm not.

sourcrates

Cashmygiro said:

fatbelly said:

Cashmygiro said:

I received a letter out of the blue yesterday too from Intrum for an old Lloyds Bank debt which went statute barred 10 years ago. I really can't believe I'm receiving this letter especially considering I sent them the prove-it letter many years ago when they were called 1st Credit. The last correspondence I had from them was in 2015!

Are they actually asking for payment or is it info-only?

Asking for payment. Included was a "Resolvecall" letter saying they would visit if I don't pay or call them. Which I'm not.

You could front it out with Resolvecall, if they knock on your door, otherwise keep on ignoring them, if they get too annoying send the statute barred letter (again).

I`m quite surprised actually as when 1st Credit remodelled itself into Intrum, one of the pre-requisites set by the FCA in order to keep there operating licence was that they played by the rules, or face further sanctions.

Chasing a ten year old clearly statute barred debt doesn't fall into that category now does it.

fatbelly

Particularly as the FCA warned debt buyers about exactly this earlier in the year as part of the Consumer Duty rules

It's towards the end of this letter

https://www.fca.org.uk/publication/correspondence/consumer-duty-portfolio-letter-dpca.pdf

Cashmygiro

It's the fact that I've been "debt free" for a number of years now and my last default and CCJ drop off my credit files next year. Now I starting to have old business like this resurrecting itself out of the woodwork.

RAS

Either sit it out and wait for them to blink, or go for them if they are really upsetting you. But do think thrice about whether you want to waste your energy on this lot?

You could send a prove it letter, and if they accept the debt is statue barred, or don't respond, make a formal complaint citing the FCA guidance fatbelly had flagged up with some compensation, and you refer the matter to the FCA?

But are they worth your time and energy?

Cashmygiro

They are not worth my energy, no.

I even still have the prove-it response I got all those years ago from 1st Credit which was a bundle of copy statements from the original creditor. The last time anything was paid on the account is showing as 2006 and I've 100% not paid anything on it since!

Also it's only for £300 so it's not a huge payday they are hoping for.