Advice on sending a prove it letter?

Macka09

I know I’m a pain but I’m not 100% that the debt would be statute barred?
I’m so worried about this whole situation, I don’t know if I’m coming or going. 

All I can think is, what if it’s not statute barred? Even if it is, what else can they do?
it’s all getting a bit much if I’m honest. 

sourcrates

Ok, take it down a notch, its just money, nothing to get in a fret about.

Lets start again, this time with the basics, does this debt still show on your credit file, if it does, what is the date of default?

If it doesn't, it suggests the debt is older than 6 years as it will have been removed automatically, thus adding credence to your belief its statute barred.

Macka09

Yes it does. 

I signed up to Experian to check my file and the default has been recorded on 31/03/2019 but has been re-recorded on the 14/07/2024. 

I’m assuming that the debt company has filed the default. 

I have received another text from Restons saying “we still need to hear from you about a personal matter”. With a link attached to their site. 

RAS

Who re-recorded it last July?

Macka09

Interum I believe. 

Who was the debt company that passed it to Resolvecall. When I had the letter from resolvecall I sent a proveit letter. 

I didn’t hear back from them and now Restons are contacting me. 

RAS

Intrum tends to get spell-checked. Big Swedish company who own Capquest.

Who've been doing a lot this recently. They plainly bought a shed load of debt, some of which becomes statute barred in a few months. They haven't responded with any proof that you owe the money, so any court action will be unsuccessful.

So they are hoping to get you frightened into paying up before the end of March when it becomes statute barred. Asking their tame lawyers to send a text or letter does not mean they will take legal action. They just desperately want you to admit liability in the next 10 weeks.

Macka09

I appreciate your feedback. What is my best course of action in this scenario? 

Considering Restons have text me twice in 4 days now and I still haven’t receive a letter. 

EssexHebridean

Well as a starting point you could block the number they are texting from.  

Macka09

On returning home this evening I have received a letter from Restons. 

It states that if by the 28th of January they haven’t heard from me they are instructed to send a Letter of Claim, which is the first step of legal action. 

MeteredOut

Macka09 said:

On returning home this evening I have received a letter from Restons. 

It states that if by the 28th of January they haven’t heard from me they are instructed to send a Letter of Claim, which is the first step of legal action. 

You have to ask yourself why they are sending you a letter saying they will send you a letter. Why are they not just sending you that letter?

Send them a letter saying you'll send them a letter saying you'll be sending them another letter if they do send you that letter.