ACI - Fifteen year old Monument debt

Tiber

I have received two letters from ACI in respect of an alleged Monument debt that must be, at least, fifteen years old.

The second letter says that Verify will be visiting me and that a letter letting me know when will be sent to me shortly.

Both letters were sent to an address I left in July and have been forwarded to me by Royal Mail.

I had thought I'd just ignore them but I'm now wondering if that might not be the best thing to do. 

Should I send the "statute-barred" letter and tell them my new address? If they only have my old address I think that might work against me.

Do many members send "statute-barred" letters via email these days or is the old Royal Mail Registered Delivery the option of choice?

I'd be grateful for any advice.

Grumpelstiltskin

When did you last pay the debt?

fatbelly

ACI seem to have acquired a lot of old rubbish recently.

I think I would probably send a prove-it from the correct address. I think court action is unlikely but you don't want them writing to an old address.

Tiber

Grumpelstiltskin said:

When did you last pay the debt?

I can't really remember but it must be about 15 -20 years ago. I have some old hard drives in storage and I'm wondering if there might be some information on them. 

Tiber

fatbelly said:

ACI seem to have acquired a lot of old rubbish recently.

I think I would probably send a prove-it from the correct address. I think court action is unlikely but you don't want them writing to an old address.

I shall do that.

I recently read about 'backdoor CCJs' and I certainly don't want that happening.

Tiber

Received a reply from ACI to my 'Prove It' letter email this morning;

" Hello, 

Thank you for your recent email.
 
We have carefully reviewed your account and can confirm that it is statute barred under the terms outlined in CONC 7.15 of the Financial Conduct Authority (FCA) Handbook.
 
Statute barred means that the period during which legal action can be taken to obtain a County Court Judgment (CCJ) for this debt has expired and it can no longer be enforced through the courts. This doesn't mean that the debt no longer exists, and we can still collect on this account. This is why we have been contacting you.
 
We have updated your account to reflect your position that you do not intend to pay this account. We will return the account to our client, Arrow, with this information. Any future correspondence regarding this account will come directly from them.
 
If this email doesn’t fully address your query, please reply, and we’ll be happy to assist you further. Alternatively, you can reach us directly at 01253 531 528."

sourcrates

That`s very considerate of them, a very nice play on words there, any future correspondence will be binned lol.