Statute of Limitations

fermi

bobby6brown wrote: »

Am I missing the point? Why do I need to do anything if they have no claim?

Writing a letter like that lets the debt collectors know that you are aware of the law and are not going to be paying.

With a bit of luck that will mean that they will move on to the next victim who may be frightened into making payments without being aware of their legal standing regarding their debt.

Some of the debt collectors who go after "time barred" debts can use very aggressive tactics, so a letter such as the one from National Debtline can help get them off your back.

Plus, if they should be foolish enough to take you to court regarding a debt like this, then having sent them the letter informing them of the status of the debt makes your defence a lot simpler to put forward.

But of course it's up to you how you wish to play it depending on your own circumstances.

bobby6brown

tine wrote: »

Because otherwise they will continue to phone you, write you and even turn up on your door step... If on the other hand you show them you are aware of your rights then 99% of them back off

What if this is one of the 1%?

bobby6brown

correction - What if this is one of the 1%?

RAS

Try writing to a journalist? see http://forums.moneysavingexpert.com/showthread.html?t=776983&highlight=Robinson+Way

And write to these people.

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