Our Success is in our members who value our strength as a valued community.
Forum Statistics
Forums65
Topics76,352
Posts1,033,280
Members14,560
Most Online16,551
Feb 2nd, 2024
Who's Online Now
12 members (ArranGirl13, 3 invisible), 7,926 guests, and 465 robots.
Key: Admin, Global Mod, Mod
Top Posters
sunnyside 45,164
MattLFC 22,315
Mark 21,269
granny 17,788
_Ste_ 16,345
Newest Members
Kalena1962, rattus, Lisrush, Emotecreative, ArranGirl13
14,560 Registered Users
New General Forums
New Wirral History
Tall Brick Chimneys
by diggingdeeper - 16th Mar 2024 11:56am
D.I.Y. / Building Shop
by mharford91 - 3rd Mar 2024 8:53pm
1970's Murder in Central Park, Wallasey
by cutespam - 4th Aug 2018 10:28am
Old Hall in Higher Bebington
by Rhoobarb - 25th May 2010 5:55pm
Oleo Works
by Ducko - 14th May 2008 3:09pm
Top Posters(30 Days)
granny 14
casper 13
bri445 4
Topic Replies
Facial recognition coming in supermarkets?
by diggingdeeper - 27th Mar 2024 3:50pm
Bolts at Bebington Road
by diggingdeeper - 27th Mar 2024 2:33am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Tall Brick Chimneys
by diggingdeeper - 26th Mar 2024 5:43pm
Lost river (Well, brook really)
by diggingdeeper - 26th Mar 2024 3:09am
Old Hall in Higher Bebington
by diggingdeeper - 24th Mar 2024 5:58pm
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Wisper electric bike. 36v .
by Dilly - 21st Mar 2024 7:36pm
This is Elvis
by GingerTom - 21st Mar 2024 9:27am
March
M T W T F S S
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30 31
Top Likes Received (30 Days)
cools 1
Kylix 1
Top Likes Received
bert1 14
Mark 4
granny 3
casper 3
Previous Thread
Next Thread
Print Thread
Page 1 of 3 1 2 3
#187275 5th Dec 2007 5:30pm
Joined: Nov 2003
Posts: 21,269
Likes: 4
Mark Online Happy OP
Wiki Master
OP Online Happy
Wiki Master
Joined: Nov 2003
Posts: 21,269
Likes: 4
Ive decided to start this one as i'm being harassed for a debt that is no longer mine and i'm increasingly
getting peed off with the letters and the phone calls i'm making to them.

In my instance i have a Debt being chased from 10 years ago
where it was human error on there part that caused it.
But now that Debt has been sold onto an agency.

So now there king of the hill with there horrible attitudes,
and everyone is guilty.

There were a few things ive learned about my case.

1) Debts die after 6 years and are unenforceable unless by DEED (eg a mortgage).
2) When a company sells on the debt the information can go with them.

So even though a debt agency knows that my debt is over 6 years
there still prepared to chase me and hound me for it.
Great that, no wonder they weren't interested in court when i mentioned it.

I called the loan company direct after a google,
and they have no records of me, and then the agency told me
that they wont, because the information (if any) comes with it.
But in previous calls they said they were contacting the loan
company to see if they would wave the debt? Lier's !!! mad
They don't have nor can they provide details (break down) of the debt.

So i got looking for the original company.
And i came across a site purely by accident trying to track
down the company i took the loan with. And on this consumer
site it has templates for debt situations.

* Letter A - Ask your creditors to hold action on your account
* Letter B - Ask your creditors to accept pro rata offers of payment on your debts
* Letter C - Ask your creditors to accept a token payment or no payment on your debts
* Letter D - When a creditor refuses your offer of payment
* Letter E - When a creditor refuses to freeze interest on your account
* Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.
* Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court
* Letter H - When a creditor asks you to agree to a voluntary charge against your home
* Letter I - Request for a stay of execution in the High Court
* Letter J - Full and final settlement for any debt
* Letter K - Ask creditors to write off the debt due to your circumstances
* Letter L - Ask your creditors to reconsider if they refuse to write off the debt
* Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years
* Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974
* Letter O - Mortgage shortfalls: Breakdown of balance owed
* Letter P - Mortgage shortfalls: Please write off the debt
* Letter Q - Mortgage shortfalls: Full and final settlement letter
* Letter R - Mortgage shortfalls: Lender should not pursue under CML policy
* Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement

If there is something that may help you in that list
take a look, i'm sure it will help.
That's how i came across the 6 year clause.

There must be many more sites that can help and offer advice
so if you come arcross any please post as you never know
when you or a friend may need that help.

My in formation comes from www.consumeractiongroup.co.uk

I hope that helps, i'm sending off my letter tomorrow smile

Google Ads
Joined: Jan 2007
Posts: 520
Smartchild
Offline
Smartchild
Joined: Jan 2007
Posts: 520
The wifes grandfather entered into an agreement he didn't understand, Anyway cut a long story short, the debt was paid but the company kept harrasing thim. Me brother in law is now a solicitor so he decided the best form of defence was attack and started procedings for harrassment and other things I don't quite get.

The company backed off within a week and the matter is very closed.

If ya letter don't work, (assume letter M) get a solicitors letter.


_____________________________________________
#187442 6th Dec 2007 3:31pm
Joined: Apr 2006
Posts: 2,367
Forum Master
Offline
Forum Master
Joined: Apr 2006
Posts: 2,367
that has to be the most stupid comment i have read on Wiki


[Linked Image]
#187546 7th Dec 2007 10:50am
Joined: Apr 2006
Posts: 2,367
Forum Master
Offline
Forum Master
Joined: Apr 2006
Posts: 2,367
burying your head in debt is a bad thing to do, as i have just found out.

i never payed and Orange phone bill for 400quid 6years ago, we decided to look for a house to buy (me and the missus) applyed for a morgage from Northan Rock and we were declined. all because of a silly dept i never payed.


Last edited by Philw; 7th Dec 2007 10:53am.

[Linked Image]
Joined: Aug 2004
Posts: 22,315
Wiki Master
Offline
Wiki Master
Joined: Aug 2004
Posts: 22,315
Quote
applyed for a morgage from Northan Rock and we were declined

Don't take it too personal lol, I should think their declining everyone atm, they dont actually have any funds themselves lmao. The credit squeeze hit them hard then most, because 75% of their funding is loans lol.

Joined: Apr 2006
Posts: 2,367
Forum Master
Offline
Forum Master
Joined: Apr 2006
Posts: 2,367
this was in June. well before the scare.


[Linked Image]
Joined: Nov 2003
Posts: 21,269
Likes: 4
Mark Online Happy OP
Wiki Master
OP Online Happy
Wiki Master
Joined: Nov 2003
Posts: 21,269
Likes: 4
You can write comments on your credit file (Experian),
that can be taken into consideration, by that i mean,
lost my job, or illness.

It can help sometimes.

Joined: Jul 2004
Posts: 4,006
Forum Guardian
Offline
Forum Guardian
Joined: Jul 2004
Posts: 4,006
Maybe a little off topic but, as a few of you may know we moved into our house in december and at the same time got a BT line installed (previous owners were with cable)

Last week we got a phone call asking for a person who doesnt live here, and wasnt the last owner either, we told the caller the facts, that the requested person didnt live here and it was a new line/number to the address, they apologized and told us that the number would be removed from the system. happy

We are now getting phone calls 2 or 3 times a day that when we answer, it goes dead, 1471 gives the number 0870 1609545 which belongs to debt collection company "Aktiv Kapital". we have no debts and never had. but we do have children and the government did lose our details on them disks. clap

I believe they are trying to lure us into phoning the 0870 number and paying the premium call rate, no chance, I have been on SAYNOTO0870.COM and got a geographical number 01244 500600.

Any tips before I phone them.


[Linked Image]
Joined: Nov 2003
Posts: 21,269
Likes: 4
Mark Online Happy OP
Wiki Master
OP Online Happy
Wiki Master
Joined: Nov 2003
Posts: 21,269
Likes: 4
That "Aktiv Kapital" was the ones after me.

I'm happy to say after sending the Template letter to them
ive not heard anything since, where i was getting a call a week
and a letter every 2 weeks.

Hope i'm not tempting fiat.

Moral of my experience is this.
No matter what they say at the end of the line,
they will say anything to get you into a new agreement,
Best advice i can give in hine sight is to say to them,
to put it in writing, so you can pass it on to your solicitor,
and any future letters calls will be seen as harrasment.

See the templates above (First post).

These Sell on the debts will do any trick and
even lie to you to get what they want or need.

Waddi - your going to have to send them a letter. IMO
They will say no problem we will remove your number,
and it wont be removed, and it goes on and on.

Joined: Jul 2004
Posts: 4,006
Forum Guardian
Offline
Forum Guardian
Joined: Jul 2004
Posts: 4,006
The thing is they wont acknowledge me as they have no issue with me, but keep ringing my number and hanging up, apparantly they are trying to contact a woman of whom I wont name, but since I dont know who she is, I dont know her full details, therefore they're "unable" to access her file to change her contact details.


[Linked Image]
Joined: Nov 2003
Posts: 21,269
Likes: 4
Mark Online Happy OP
Wiki Master
OP Online Happy
Wiki Master
Joined: Nov 2003
Posts: 21,269
Likes: 4
Waddi they can !
That's the first mistake.

To stop the calls you will have to put it in writing
and send it to them recorded.

No matter what they say waddi at "Aktiv Kapital"
DO NOT BELIEVE THEM wink

By the sounds of it, you will have to send them
a harassment letter by recorded delivery.

I promise. Once there hooks are into you right or wrong,
you are a point of contact.

Joined: Jul 2004
Posts: 4,006
Forum Guardian
Offline
Forum Guardian
Joined: Jul 2004
Posts: 4,006
I've been doing a bit of research, Im gonna keep a diary of the phone calls for a week. to give the letter a bit of substance.

Thanks Mark.


[Linked Image]
Joined: Jul 2004
Posts: 4,006
Forum Guardian
Offline
Forum Guardian
Joined: Jul 2004
Posts: 4,006
they say its Data protection act.


[Linked Image]
Joined: Nov 2003
Posts: 21,269
Likes: 4
Mark Online Happy OP
Wiki Master
OP Online Happy
Wiki Master
Joined: Nov 2003
Posts: 21,269
Likes: 4
They said to me i was liable under the 1980 debt blar balr act.

In fact it was that very act that got me out of it.
All i'm trying to say waddi its that, they will say
and do what ever it takes.

Yeh Data protection they cant tell you.
But they can access what they want...

Mark #206247 12th Feb 2008 10:05pm
Joined: Jul 2004
Posts: 4,006
Forum Guardian
Offline
Forum Guardian
Joined: Jul 2004
Posts: 4,006
after a bit of research into their methods of practice I read that when they are trying to obtain initial contact with a person, they try to trick them into accepting the debt. one way they do this is by hanging up when they answer, hoping person presses 1471 and calls them back, when they answer they ask the person to confirm their details in-order to pull up their file to see what the call was about, once they have confirmed they're details, they have "legally" accepted the debt. barstard.

I feel that they dont believe me when I tell them that the person they are looking for is not at my address nor do I even know of her. so they are going to keep ringing and waiting for someone to slip up.

Does anyone have office xp, I need to get writing a letter.


[Linked Image]
Page 1 of 3 1 2 3

Moderated by  Mod 

Link Copied to Clipboard
Random Wirral Images

Click to View Topic.
Newest Topics
Facial recognition coming in supermarkets?
by Excoriator - 27th Mar 2024 10:52am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Bolts at Bebington Road
by Excoriator - 23rd Mar 2024 9:48am
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Tall Brick Chimneys
by diggingdeeper - 16th Mar 2024 11:56am
For Sale & Free
Wisper electric bike. 36v .
by Dilly - 21st Mar 2024 7:36pm
This is Elvis
by GingerTom - 17th Mar 2024 2:37pm
Member Spotlight
KevinFinity
KevinFinity
Wirral
Posts: 2,354
Joined: April 2009
Today's Birthdays
There are no members with birthdays on this day.
New Wirral Info
Facial recognition coming in supermarkets?
by Excoriator - 27th Mar 2024 10:52am
Hot Spot Chippie Broadway
by Excoriator - 26th Mar 2024 7:57pm
Bolts at Bebington Road
by Excoriator - 23rd Mar 2024 9:48am
Get your Money Tree ready
by keef666 - 22nd Mar 2023 12:27pm
Restaurant/pub with outdoor seating - Bromborough
by CarterUSM - 7th Aug 2020 7:59pm
News : New Topics
Gaza
by diggingdeeper - 29th Oct 2023 9:28am
Lost river (Well, brook really)
by Excoriator - 10th Sep 2019 8:50am
New Enthusiast Forums
Netflix 3 Body Problem.
by BultacoAstro - 22nd Mar 2024 8:04am
Xbox
by TudorBlue - 3rd Mar 2024 8:48pm
Wiper mechanism needed
by Peter0787 - 20th Feb 2024 4:07pm
Popular Topics(Views)
5,068,665 WIKI WALK CHAT
4,013,778 Spotted!
Powered by UBB.threads™ PHP Forum Software 7.7.5