Statute barred

das

PS: not sending the SB letter until they confirm details and dates, which they haven't yet. Should I just do it? Or keep letting them waste their money on letters?

never-in-doubt

Can you confirm if you paid after the 6 years had already passed? so you paid recently, but that was already later than 6 years so it was already SB'd when you paid?

If so you can try to get the money back as well. I already posted in that link back in November 09 mate - #8 - said the same thing then lol

das

never-in-doubt wrote: »

Can you confirm if you paid after the 6 years had already passed? so you paid recently, but that was already later than 6 years so it was already SB'd when you paid?

If so you can get the money back as well. It would be illegal for them to accept funds on a SB debt. I already posted in that link back in November 09 mate - #8 - said the same thing then lol

Yep, well after the 6 years. The debt would have been SB round about 2000-2001-ish. They contacted me in 2006. I foolishly started paying them, the debt was 1600, it is now 1100ish.

Not sure if I can get the cash back from them mate, it's unenforcable yes, but still a debt, or am I wrong?

never-in-doubt

das wrote: »

Yep, well after the 6 years. The debt would have been SB round about 2000-2001-ish. They contacted me in 2006. I foolishly started paying them, the debt was 1600, it is now 1100ish.

Not sure if I can get the cash back from them mate, it's unenforcable yes, but still a debt, or am I wrong?

Ahh I edited post cos I remember fermi checking this and saying that it wasn't quite illegal - but you can stil lask, no harm.

Nope, there is no debt to declare, it is dead and buried. They have no right to demand money and the fact they pressured you into paying a SB debt is enough to get it refunded with some compo i'd say - remember the nasty threats they made at the time, what about the doorstep collector coming etc etc :cool: :cool:

You get the idea, that is how you get a refund and some compo for the "inconvenience" and harassment

das

never-in-doubt wrote: »

Ahh I edited post cos I remember fermi checking this and saying that it wasn't quite illegal - but you can stil lask, no harm.

Nope, there is no debt to declare, it is dead and buried. They have no right to demand money and the fact they pressured you into paying a SB debt is enough to get it refunded with some compo i'd say - remember the nasty threats they made at the time, what about the doorstep collector coming etc etc :cool: :cool:

You get the idea, that is how you get a refund and some compo for the "inconvenience" and harassment

I wouldn't know where to start on that unless there is a template letter kicking about?

I really have no issue about paying my debts apart from this one. I was a young carefree student and I made a mistake. The issue I have with this debt is the way that the DCA went about it. The bloke on the phone was utter scum (dunno how he got my number, it's a company phone) That is why I will not pay this one.

Still, I'm happy enough with how my DMP is going, I've knocked this one off the list and the rest is manageable. It was 12.5K and I've just logged into my Payplan account to see it's now 4.9K. I'm quite pleased :-)

I'd love to wind up this DCA though...is there a template for claiming back monies paid for a SB debt by any chance?

never-in-doubt

das wrote: »

I'd love to wind up this DCA though...is there a template for claiming back monies paid for a SB debt by any chance?

Not that I know of, if I get a chance over the next few day's i'll sort you one out! I'll post it here, however in the meantime click the link to the OFT complaints - register a formal complaint and mention you'd like refunded in the complaint, in order to walk away - otherwise you will pusue a claim for their harassment and breaches of legislation.

das

Nice one

I'll look intot that and get back to you.

Cheers.

caithgal

Further to the info i have already given you in this post he has now recieved a reply:

"We recently informed you that Arden Credit Manangement are seeking to recover the balance outstanding etc. we now require this payment in full or your proposals for a payment plan. please contact us immediately etc etc"

Ok what now? this is definately statute barred and we have sent the statute barred letter in april which they recieved.

Forgot to say this letter came from arden credit management


Help pls xx

caithgal

As the statute barred letter was written to Lombard direct should i send the same letter to arden credit also

caithgal

Anyone?????