Advice for a newbie please

no-more-money

Hi every one and thanks in advance for helping a complete stranger,

Ok in a nutshell, ccs collection services are sending letters demanding just over £1000, :mad: (not a huge amount of money, but more than i've got!) for a debt which is possibly 6 years old, and was never that much anyway but seems to have doubled! Now i've read a few posts here and gleaned a bit of info, i've sent them the template letter asking for a copy of the original credit agreement.

So whats the next step? what do i do if they provide it and if they dont?

Thanks
Russ

no-more-money

Anyone?

LilacPixie

i'm not too sure to be honest. I have seen people mentioning another letter after 30 days. have a look for the cca update thread. there should be more info there.

no-more-money

Bump Bump.

Anyone got any ideas? or where this cca thread is?

RAS

no-more-money wrote: »

Hi every one and thanks in advance for helping a complete stranger,

Ok in a nutshell, ccs collection services are sending letters demanding just over £1000, :mad: (not a huge amount of money, but more than i've got!) for a debt which is possibly 6 years old, and was never that much anyway but seems to have doubled! Now i've read a few posts here and gleaned a bit of info, i've sent them the template letter asking for a copy of the original credit agreement.

So whats the next step? what do i do if they provide it and if they dont?

Thanks
Russ

Russ

Your thread is being viewed by a troll, so ignore any nasty comments.

This could be statute barred but we need to know when you last paid towards it.

bank_of_slate

troll - Bank-of-slade

ignore it if it replies to you
...Linda xx

no-more-money

RAS wrote: »

Russ

Your thread is being viewed by a troll, so ignore any nasty comments.

This could be statute barred but we need to know when you last paid towards it.

Hi, Never paid towards it! its an old barclaycard account and it kinda got lost and forgotten about when i moved but seems to have caught up with me, What is statute barred? Whats my next step?

Oh and whats a troll?
Cheers

bank_of_slate

Hi no more and it's good to see you back!
keep checking back as the board gets busier,
A troll is someone who is NOT a regular member of the forum that posts hurtful, harmful and often abusive posts, please see the newcomers troll thread!
...Linda xx

Numpty_Monkey

Glad your back no more money, i am aware of the "troll" stuff yesterday please read this

Quote from pania


Hi everybody.


Over the last few weeks we have had a number of "troll" attacks on the boards.

What is a Troll? A troll is a person that posts deliberately provocative, nasty or hurtful comments on threads. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their point made.

If you should get a comment made on any thread you post asking for help and advice please realise this comment is not directed at you personally.
We really are all a lovely bunch here (oops, modest, sorry) so please ignore these nasty comments and continue to post here as normal.

what should i do if i get a comment made on my thread?

firstly do not respond to the comment as this invariably is what the person wants. At the bottom of the post, on the left hand side is a red "warning" triangle. Click this and then "send" the message that comes up. This will report the message to abuse who will review it's content and delete it.

The person we had this morning was particularly vile and nasty and please believe me is an extreme rarity here.
Above all PLEASE PLEASE PLEASE DO NOT LEAVE THE BOARDS. THIS SITE IS AN ASSET TO SO MANY, ESPECIALLY WHEN IT FEELS THE WORLD IS FALLING IN ON YOU. THERE IS SUCH A WEALTH OF ADVICE HERE TO BE HAD THAT THE COMMENTS OF ONE MUST NOT DETER YOU FROM AVAILING YOURSELF OF THE KNOWLEDGE HERE!!!!

It is testament to the work that martin has done and continues to do that so many people give their time knowledge and experience freely to others, without judgement, to lift people out of the depths of debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT.


Kind wishes
P
xxxxx

LilacPixie

sorry i'm rubish at linking but try this

http://forums.moneysavingexpert.com/showthread.html?t=842981&highlight=cca+update+thread

fermi

no-more-money wrote: »

What is statute barred?

A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period.

If you are in England/Wales then the limitation period is 6 years and you should read:

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

If you are in Scotland then the limitation period is 5 years and you should read:

Link: Factsheet | Liability for debts & the Prescription & Limitation (Scotland) Act 1973

If you feel the debt is "Statute Barred", then there is a letter to write at the end of each factsheet.

If you are unsure of anything, then give National Debtline a call free on 0808 808 4000 to talk your situation through with a professional advisor.