Failed IVA from 2002 recently contacted by DCA chasing payment

Fazer83

Afternoon,

Newbie here, am after some advice.

I recently started receiving calls from a DCA, after a few attempts to ignore them I contacted them to enquire as to the nature of their repeated attempts to contact me. 

After (possibly stupidly) confirming my name and contact details so i could find out why, they informed me that the reason for the calls were to chase a debt from a failed IVA back in 2002.

Due to a sudden change in circumstances the time it was opened no payments where ever made towards the IVA, no phone or mail correspondents (including a failed certificate) were received by myself.

I'm reluctant to enter into any further discussions with the DCA regarding the debt as I'm under the impression that this dept should be statute barred at this point as no communications or payments have been made or received.

What would be the best way to approach this situation, don't get me wrong if i have to i can explore settling the debt but due to the amount of time passed and no adverse reports on any previous address or credit history  or communications received i'm reluctant to entertain the idea of settling it, but i'd also want to avoid it escalating.

Any advice would be greatly appreciated.

fatbelly

Send the statute barred letter that's in the sticky threads.....if they send you a letter.

Texts, calls, emails should all be ignored

Fazer83

fatbelly said:

Send the statute barred letter that's in the sticky threads.....if they send you a letter.

Texts, calls, emails should all be ignored

Thankyou, I will most certainly have a look at that.

For my own sanity, how aggressively can they pursue this?
I believe that the debt never disappears but as the DCA owns that debt can they only just "pester" for payment indefinitely?
would rather not have an un expected visit

Grumpelstiltskin

Look even if someone does turn up at your door they are not bailiffs just door knockers who you treat like you would a double glazing salesperson.

It is unlikely that they will send someone but you never know how stupid these debt collectors are.

sourcrates

The vast majority of debt collectors work from call centres and never leave their offices.

There are some that do knock on doors, "Resolvecall" and "Verify" are two names that come to mind.

But its important to note they have no more rights or power than you or I do, so if they did call, you can either ignore them, or ask them to leave, usually the company that owned the debt would write and give you 14 days notice of any such visit, but most people just get a card through the letterbox.

Send the statute barred letter and that should end the matter.