Moriarty Law
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pizzercol
Posts: 5 Forumite
Hi
I have received quite a few letters from Moriarty Law company saying I owe money to AOL now Talk Talk, from about seven years ago and i did used to have AOL internet then but i cancelled it as the service was not good and it was cancelled in a correct procedure ( cancel request mac code etc). I asked for proof of the debt as they sent me a couple of pieces of paper with payments that i had made back then but not the paper work where they say i dint pay. I asked for more proof and they said that's all their client has for the account. Now they have asked me to pay £50 a month with out me agreeing to this.
any advice would be truly grateful.
P.S They sent me a court date letter but it didn't look real if you know what i mean.
I have received quite a few letters from Moriarty Law company saying I owe money to AOL now Talk Talk, from about seven years ago and i did used to have AOL internet then but i cancelled it as the service was not good and it was cancelled in a correct procedure ( cancel request mac code etc). I asked for proof of the debt as they sent me a couple of pieces of paper with payments that i had made back then but not the paper work where they say i dint pay. I asked for more proof and they said that's all their client has for the account. Now they have asked me to pay £50 a month with out me agreeing to this.
any advice would be truly grateful.
P.S They sent me a court date letter but it didn't look real if you know what i mean.
0
Comments
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Hi,
If no payments or written acknowledgement has taken place in 7 years, the debt will be statute barred by now, limitations act gives a creditor 6 years to chase an old debt.
You mention a court letter, what exactly have they sent you ?
In any case, you should complete and send this letter to Moriarty Law ASAP :
https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspxI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Hi
thanks for information, nothing to complete on the form just a date which has now passed and Moriarty Law debt collectors has now decided i will pay 50 pounds a month.
thanks for the information on the dead line0 -
Hi
thanks for information, nothing to complete on the form just a date which has now passed and Moriarty Law debt collectors has now decided i will pay 50 pounds a month.
thanks for the information on the dead line
Are you 100% certain they have not obtained a CCJ (county court judgement) against you, have you checked your credit files ?
If they have not taken legal action, it will be statute barred, which means they cannot continue to try collection of the debt, you should send the letter, and hopefully that will be the end of it.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
when they sent a court letter with a date , i wrote to them explaining i didn't owe the money and would like more proof of the debt. they then wrote to me saying they were going to freeze the account until they get more proof. they sent me 2 pieces of paper with record of payment i made to AOL ( just regular payments for my internet). i asked for more as this didn't explain my debt , the reply was they didn't have anymore records than this. no new date for the court just a letter requesting 50 a month also saying that their client was legally due the money.0
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when they sent a court letter with a date , i wrote to them explaining i didn't owe the money and would like more proof of the debt. they then wrote to me saying they were going to freeze the account until they get more proof. they sent me 2 pieces of paper with record of payment i made to AOL ( just regular payments for my internet). i asked for more as this didn't explain my debt , the reply was they didn't have anymore records than this. no new date for the court just a letter requesting 50 a month also saying that their client was legally due the money.
Right, OK, then you should send the statute barred letter.
They are just chancing their arm hoping you are unaware of the limitations act, and your rights under it.
This is a common occurrence from companies such as this.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
where can i find the statue bar letter , is it on here ? thank you for your help0
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sourcrates wrote: »Hi,
If no payments or written acknowledgement has taken place in 7 years, the debt will be statute barred by now, limitations act gives a creditor 6 years to chase an old debt.
You mention a court letter, what exactly have they sent you ?
In any case, you should complete and send this letter to Moriarty Law ASAP :
CLICK HERE
https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx
^^^^^^^^^^^^^
CLICK HEREwhere can i find the statue bar letter , is it on here ? thank you for your help
I`ve linked to it here matey.
Click on the National Debtline link above.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
brill thanks Sourcrates0
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