Email from CRS debt collection agency

PhillyDC

All,
About 6 weeks ago I started receiving emails from a company called CRS ( a debt collection agency) about an amount they were trying to recover from a company called Intrum UK Limited (another debt collection agency I understand). The number of emails I get is increasing. I have not responded to any of them or clinked on any of the embedded links. 

Apparently the original debt was from Citifinancial and the default date was 31/12/2008

In 2007 I moved abroad and so I guess there is a chance this debt could be related to me, however, I was pretty sure I had settled everything when I left. I do not recall having Citifinancial products?

I do not particularly want to engage with CRS and have received no mails either to my current address or the address where I was before I moved abroad (parents house). Is there a way I can just ignore them? If the debt was mine then is there not some deadline after which it just gets written off?

Thanks for your advice.

  

fatbelly

You seem to be ignoring them pretty well - can you just keep on? Maybe try to autodivert their emails to a subfolder?

There is a good chance this is nothing to do with you. Even if it was it would be statute barred

sourcrates

Intrum are a large debt purchasing company, they basically buy up old debts in bulk, very cheaply, and attempt to collect on them for the full face value.

CRS will have been engaged by them to attempt collection of this debt on their behalf, and somehow its been linked to you.

Semi ambiguous emails/texts are a cheap way of getting your attention, but if they really want to get serious, they will write to the last known address they have for you.

Generally they have 6 years from date of default to chase these accounts, otherwise they become statute barred, this debt is way past that point now, however that doesn't stop them trying.

If you wanted to get rid of them you could send the prove-it letter in an email, although you would have to ID yourself for data protection reasons.

99% of the time, they will just give up and move on, and return the account to Intrum, but there is an outside chance Intrum, might then decide to take legal action and obtain a CCJ by default, especially if you did not respond, or by sending post to an old address perhaps, its a difficult one to advise on, depends really how annoying they become.