old debt ??

moomoo4444

hello,
wondering if anyone can help me ,i have been recieving a letter from a debt collection agency asking me for money from HSBC ,this account i closed back in 1993!!!!
i have been asking for information about this debt but they never ever produce anything .i have never acknowledge the debt to them either
where do i stand ??? is this something to do with the limitations act and something to do with statue barred
any help would be grateful

fermi

If it's from 1993 with no acknowledgement by yourself and no CCJ on it, then it will be Statute Barred.

From a previous post of mine (saves typing).

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.

moomoo4444

i have sent off the letter (see above) i have now just got a letter through this morning stating "they have sent it to their specialist recoveries unit"
what do i do now ????,any help would be grateful
is there a letter ,that i saw somewhere where there is a timescale they have to provide the evidence of the debt ???:eek:

Incisor

moomoo4444 wrote: »

i have sent off the letter (see above) i have now just got a letter through this morning stating "they have sent it to their specialist recoveries unit"

They are trying to bully you

what do i do now ????,any help would be grateful
is there a letter ,that i saw somewhere where there is a timescale they have to provide the evidence of the debt ???:eek:

They have to provide evidence before taking it to court. OK, they could take it to court without, and it would probably bring an end to it in your favour if they did.

moomoo4444

they made no refference to last letter i sent them ,i did send it recorded delivery ,what do i do now???
yes i do agree they are using bullying tatics ...horrible critters

Incisor

moomoo4444 wrote: »

they made no refference to last letter i sent them ,i did send it recorded delivery ,what do i do now???
yes i do agree they are using bullying tatics ...horrible critters

And you kept a copy? If you didn't, do it again and keep a copy.

If they take it to court without addressing the point, you can send a copy as part of your defence.

fermi

Or send them a letter along the lines of this one.

http://forums.moneysavingexpert.com/showpost.html?p=10477981&postcount=12

moomoo4444

you guys are great,i have just printed off the letter from fermi and will keep you posted as to what i get back
hopefully it will be to tell me that they are not taking it any further
watch this space ........:j

moomoo4444

just got another letter ,stating that they are offering a reduced payment of £1600.00 ,the should get my letter today the one that fermi sent
i going to save them all
what part of "i do not acknowlege this debt " they dont understand

grrrrrr ...its making me very cross

MrsTinks

Just don't loose your cool with them - They have 99% certain bought your debt for pennies and imagine what a bonus they will get if you cough up £1600 on a debt that might not even be yours!!!!
Stay firm and don't buckle

moomoo4444

hello all again
since i sent lowell 2 letters both recorded about satue and the next one about repoting them to oft ,i have heard nothing (this was june 2008) i now have had a letter come through today from a firm called " mackenzie hall " telling me i have to pay by 17 november (phtocopied headed paper and printed signature)
i have not and will not be phoning these gits up but think i may well go to the police as i have never ever had this debt
what do you think i should do with mackenzie hall ,write another letter ?? they also said that "lowells" had never had no response back from me which is a load of ballony
is it safe to e mail them these letters instead
please help as this is getting frightening now :eek: and my blood is beginning to boil :mad: