Doorstep visit

mtgibbo

I have a debt that is statue Barred...Got advice from citizens advice and have got trading standards involved....But still the debt collection company are sending me letters. The latest one says that i should expect a doorstep visit soon and i have 48 hours to pay the amount...Which dates back to 1999...Anyway...can they do this ????i have not been to court and as i mentioned the debt is over six years old....

poorandindenial

A bit of a bump for you but until someone that knows the complete answer comes along....

I am no expert but from what I understand from people with similar situations that have posted threads, these guys won't be bayliffs, they can turn up but you have absolutely no need to open the door or let them in and they certainly can't sieze goods. I think they sound like they are chancing their arm. The debt is in dispute so they shouldn't be trying bully boy tactics with you. Have you told them you will only deal with them in writing yet??? If not there are template letters on here although you might want to tailor them to include a reminder of how in dispute the debt is (and, of course, also remind them that you do not acknowledge the debt, they do seem to have *forgotten*)

If they do show politely tell them that the debt that they believe exists is in dispute and that CAB and TS are looking into it and that you do not acknowledge that you owe them any money (if they are persistent ask them to leave)

RAS

mtgibbo wrote: »

i have not been to court and as i mentioned the debt is over six years old....

Before we go any further, the fact that the debt is more than 6 years old does not make it statute barred, unless, it is more than 6 years since you LAST PAID or ACKNOWLEDGED the debt in writing.

Does it still qualify?

mtgibbo wrote: »

Got advice from citizens advice and have got trading standards involved....But still the debt collection company are sending me letters. The latest one says that i should expect a doorstep visit soon and i have 48 hours to pay the amount...Which dates back to 1999...Anyway...can they do this ????....

Have you sent them a statute barred letter. Until you do so they are entitled to ask you to pay. They are breaking OFT Guidelines but hey.. who cares about them?

poorandindenial

This is OPs previous thread

http://forums.moneysavingexpert.com/showthread.html?t=703585

I had been thinking this was the same debt, although original thread said 1998 for date of last contact so this may well be a different debt. (mtgibbo please can you clarify)

mtgibbo

Yes the same debt

mtgibbo

Yes i have sent them a statue barred letter last Oct 2007. And no contact or payment was made between 1999 when the debt was created up until May 2007 when they then demanded payment.

RAS

thanks.

I assume there is no CCJ against it?

Will find the complaints list.

Which DCA is this by the way?

RAS

OK

Write to all these. If the OFT will not take the direct complaint, then get one of the debt chrities to report them

And make sure you contact the TS where the DCa is based, as they licence them, not your local TS.


Office of Fair Trading, Contact page: http://www.oft.gov.uk/advice_and_res...ase/legal/cca/

The Information Commissioners Office, Complaints page: http://www.ico.gov.uk/complaints.aspx
(note: I chose to complete and download the .pdf form on Data Protection, which I am also sending to the other offices, with an accompanying letter)

Trading Standards, Central office homepage: http://www.tradingstandards.gov.uk/
-Please note, you can search by inserting the postcode in the top right hand corner, remember to use the postcode of the DCA rather than your own-

Consumer Credit Association, enquiries page: http://www.ccauk.org/consenquiries.htm

the Financial Ombudsman Service, Contacts page: http://www.financial-ombudsman.org/contact/index.html

Members of parliament list, (as provided by RAS): http://www.parliament.uk/directories/hciolists/clomps.cfm

fatbelly

Is it with Moorcroft, by any chance?

mtgibbo

rossendales

mtgibbo

no rossendales