debt collectors

curvygal

Hello All

I have been contacted by a debt collection company claiming they are collecting £800 on behalf of Royal Bank of Scotland (Nat West)

The only thing is i have no debt for that amount with Nat West, they are now trying to take me to court and are totally unhelpfull on the phone.

How do i find out about the debt they are claiming i have?? how do i get the documents and a copy of my signature??, they wont tell me all they will say is it is with Nat West.

The other thing i would like to ask is , is there a time limit on how long they can collect a debt?? Ive had another letter from a debt agency claiming i also owe more money, this time i do know of the debt for some furniture but that was over 6years ago and im sure i paid it off in full which they are now saying i did not?? Why has it taken them this long to ask for payment??

Sorry for the long winded questions but im at a loss as what to do or how to prove i dont owe this money, i dont want to pay for something i dont owe specially when its £800

Any help greatfully received

CG xx

smashedbooboo

Which DCA is this.

smashedbooboo

And welcome to the site. xxxxx

curvygal

Hi

Its... Fredrickson International Limited

Many thanks for the welcome hun:D

CG xx

smashedbooboo

Oh that old nugget. Hang in there. Someone will be here to advise you shortly. Am having a bit of a moment myself here. But will be back shortly to help when i have got myself together again. x

curvygal

Many thanks smashedbooboo

xx

roo9

6 years is the legal time.after that they cant ask you for money..also the dca,cant take you to court without you having signed terms and conditions and i am positive that its not transferable when they buy the debt.also they have to by law provide you or a legal rep with a copy.so phone them and ask them to send you copies.if not tell them they cant take you to court .if i was you,i would get the cab bureau to help you or a free community debt line.this is the best has they can write and find out where you legally stand.

setmefree

deleted xxxxxxx

smashedbooboo

Nooooooooooooooooooooooooooo. N ooooooooooooooo. Nev er ev er phone them Everything in writing only. If you ring then what ever is said is your word against theirs. If the debt has a ccj on it it will never be statute barred. And they can transer to old mother riley if they want to. They should not if the debt is in dispute but they do.

smashedbooboo

Too late ethel. You beat me too it.

curvygal

Wow, thankyou all so much, i will send letters out first thing on Monday, lets see how they like them!!

CG xx