HELP! - Re: The 6 year rule....

severussnape

hi bear and tina

this has been an amazing thread and i have learned so much from it.

i hope you get it all sorted bear let us know what happens

phatbear

Its all getting like an episode of Eastenders now.

Ok as previously stated Scotcall sent me a letter which I received on the 13th Jan, letter dated 10th, which threatened me with a visit within 7 days and if I wanted to write to them it had to be with in 7days, so I sent a letter recorded on the 16th which they received on 18th Jan.

So all tickety then I recieve a letter today, which was dated the 18th which reads as follows:

Dear Customer (a tad impersonal me thinks!!)

Please find enclosed payment returned to you (this was the £1 I sent for them to provide me with a statement etc), as we are no longer dealing with your account.

The creditor, to whom you owe this debt, will contact you shortly.

Your faithfully etc etc

Well I find this all a tad odd, would they be acting this way if id sent them a cheque for the outstanding account, also regarding the line that the "creditor to whom I owe the debt will be in contact" is this the original bank, if so I dont see how they can be seeing as they've sold the debt on.

Your thoughts, ideas etc on this matter would be most appreciated.

Thanks for now


The Bear

bank_of_slate

looks like a job for Mulder & Scully!
...Linda xx

Xbigman

When a debt is sold on there are various conditions to the sale, mainly that it is legit and enforcable. It sounds like scotcall have realised it is not and has sent it back to the original creditor.
Regards



X

Harassed_2

The creditor, to whom you owe this debt

.. is the one you send the demand and £1 to. Not the debt collector.

phatbear

Well its been a while and all quiet on the western front until today, Ive just received this letter from J2Solutions, Blackburn

The Occupier
Address
etc etc

Re Phatbear:

I am attempting to contact the above named person or any member of his/her family about a personal matter.

If you are the person named above or have any information regarding the whereabouts of this person please telephone me in confidence on the number above upon receipt of this letter.

Any information you are able to give will be treated with the utmost confidence and your assistance will be greatly appreciated.

I look forward to hearing from you soon.



My personal thought was to get my good lady, whos house they have sent this too, to write back asking why they need to get hold of me, because unless they tell her why they need to contact me she wont pass my details on, and of course if they come through with the details of any debt then I'll jump all over them for going against data protection.

Your thoughts theories on this matter as ever would be appreciated.

One last thing I had a quick search and I cant find this company on google/bt etc and Im waiting to go to work this afternoon to check with companies house. Tad odd me thinks.


Anyway all the best for now


The Bear

Rubyru_3

I receieved a similair letter about a family member. I wrote to them asking why and they stated that they were unable to tell me because of data protection act.
Had a word with B-I-L he called them and it was Barclays Bank or Card . He asked them to prove the debt was his and he has heard nothing.
I think the letters are quiet crafty .

B-I-L came across this article when trying to find out who they were.

http://www.ukdebtadvisers.co.uk/forum/index.html?/gentools/discuss/messages/2849.html.

http://www.ukdebtadvisers.co.uk/forum/ he then searched for j2 solutions. B-I-L is adamant that he has never had any dealings with Barclays .His credit files show nothing. I think you should procede with caution.

phatbear

Thanks for the heads up rubyru, they sound like an interesting company to deal with, so let battle commence.

All the best

The Bear

amosworks

After 6 years it becomes statute barred so long as there's no contact. Make a Consumer Credit Act 1974 request for the original credit agreement. I'm doing this to 30 DCA's simultaneously. After 30 days of them not being able to send me everything I need, the debt becomes unenforceable and they can't do squat. They also break the law by not doing it. OK it costs £1 per company, but well worth it, if only for the amusement of throwing them all in to a blind panic seeing 30 companies scramble for just 3 documents at the same time.

The grip is, they have to supply the documents whether they are the original creditor or not.

Little do they all know it's a first stage in reclaiming charges from all 30 of them Sweet, sweet justice.

Avoid paying debt if you can get out of it on a technicality, ignore the moral-high-horse-brigade. By the sounds of it there's some DCA workers in there, I get suspicious of people saying you should pay back debt blindly. DCA's are hardly moral, why should you be and why should you care? Play them at their own game. They set the rules, it's poetic to use them in your favour

Good luck!

amosworks

phatbear wrote:

Its all getting like an episode of Eastenders now.

Ok as previously stated Scotcall sent me a letter which I received on the 13th Jan, letter dated 10th, which threatened me with a visit within 7 days and if I wanted to write to them it had to be with in 7days, so I sent a letter recorded on the 16th which they received on 18th Jan.

So all tickety then I recieve a letter today, which was dated the 18th which reads as follows:

Dear Customer (a tad impersonal me thinks!!)

Please find enclosed payment returned to you (this was the £1 I sent for them to provide me with a statement etc), as we are no longer dealing with your account.

The creditor, to whom you owe this debt, will contact you shortly.

Your faithfully etc etc

Well I find this all a tad odd, would they be acting this way if id sent them a cheque for the outstanding account, also regarding the line that the "creditor to whom I owe the debt will be in contact" is this the original bank, if so I dont see how they can be seeing as they've sold the debt on.

Your thoughts, ideas etc on this matter would be most appreciated.

Thanks for now


The Bear

Don't worry, in 30 days they are breaking the law by not sending you the things you request. But to be honest it sounds like your letter was too lame for them to take seriously. Send the £1 back with a letter indicating the current deadline before you start legal action or make a complaint or something.