Unsure Where I Stand

rossyand

Moorcroft in Stockport are sending me a letter every week "respond by this time and date" it says, well I haven't " We will push for legal proceedings"
Every time it's the same garbage. They have threatened me with legal proceedings for a month now which has lead to nothing.
Does anybody know where the letter which basically says:
this debt is satute barred and I have have stated this before with the last collection agencies.


I read in another post about Moorcroft and statute barred debts "Why are they dealing with so many Statute Barred debts?" does anybody know.

Simon_Pugsley

Well. After I had the final phonecall from UCA in Preston, they ended by threatening legal action on my Statute Barred debt, to which I replied "Good luck". That was the last I heard from them, they passed it back to American Express. that's now the second Collection agency that have tried to recover the debt.

DCA 0 - Me 2

I mean no disrespect with this, however you make it sound like you have done nothing wrong, and that these people are chasing you for no reason. Unless i have misread the post, you did owe this money, and although now of course the 6 years is expired, Im not really sure keeping score is in the spirit of things.

No offence ment.

theladyknows

Just for the record did a search with the information commision and they have no record of uca, united creditors alliance or a company at the postcode pr2 0ag. If they are processing data without a certificate this needs reporting.
http://www.ico.gov.uk/ESDWebPages/search.asp
http://www.ico.gov.uk/complaints/data_protection.aspx

theladyknows

Simon_Pugsley wrote: »

DCA 0 - Me 2

I mean no disrespect with this, however you make it sound like you have done nothing wrong, and that these people are chasing you for no reason. Unless i have misread the post, you did owe this money, and although now of course the 6 years is expired, Im not really sure keeping score is in the spirit of things.

No offence ment.

If you read the original post rossyland entered a debt management plan and it was amex that cut off contact. In these circumstance it isn't unreasonable for rossyland to assume they no longer want paying back.

rossyand

theladyknows - thankyou for understanding what I meant.
You see Simon, I entered a repayment plan in 2001, I have spent years doing as much overtime as was offered to me, and some crappy jobs to boot. I have paid off all my creditors, every last one and have not complained, as it was MY debt.

The proposed repayment plan was handed to American Express who ignored it and that was the last my debt councillors heard from them. Now that the debt has become statute barred - they now want it back.

And I'm not giving in.

I have had now six debt agencies in total through this debt, each one knowing it's un-enforceable (statute barred) but still they try, probably on the off chance that I'm unaware of my legal rights.

The latest DCA today from ScotCall in Glasgow, the usual type of letter...

I offered to pay it years ago but they didn't want it..so Simon I hope you see my position.