Quick question about 1st Crud

[merlin100]

Hi all,

the missus got a threatogram from these creeps about a month ago trying to collect on a debt that is without doubt now Stat Barred ( weve been together for 6 years and the debt extends 2 years beyond that with no acknowledgement or payment made in that time.)

 

Sent off the usual CCA Request first ( was doing a bit of phishing myself) and now they have sent her 2 seperate sets of T&Cs - one with her previous address nicely printed on the front, and a set with her address from before that.

 

The T&Cs are different and dont worry, I know how to deal with this.

But am wondering if I can cause them any damage as the accompanying letter is threatening County Court, extra charges, Charging Order etc ( the house is in my name only but they wont be told this!).

 

Rather than fire off the Stat Barred letter, I thought I might spend a tenner and SAR them.

It must be an enormous amount of work for them to comply with for the sake of a tenner?

And it may throw some interesting facts up?

 

Is it worth stirring up the nest and causing them a bit of grief when I could simply hit them with the Stat Barred letter?

Was thinking of SAR - ing them in case they try to claim at a later date, that some phantom payment has been made in the last 6 years ( it hasnt - but we all know what these cretins are like).

 

So is it worth stirring it up when she has the final solution of Stat Barred?

[Tingy]

I can see exactly where you're coming from, but IMO no, it's not worth it. Buy the young lady a present with the tenner instead - much more constructive!

[harrassed senior]

Personally, although I, like you would be very tempted to cause them maximum trouble, I too would recomend not to go down that path.

 

With Statute Barred debts, the debt still exists beyond the SB date and they can continue to press for payment, however, once you have told them that you will not be paying any thing, ever, on this account then they must abide by the rules and cease all collection activity.

 

What can happen as we have been seeing on here is that they just 'hide' this debt amongst thousands of other then sell it on lower down the chain and you may then get the lowest of the low chasing again.

[merlin100]

Hi guys, yes I know where you are coming from.

What I forgot to mention is that in the accompanying letter, they state that these two sets of T&Cs fullfil their duty to provide a "True Copy" of the agreement.

It was that that incensed me a little because I wondered how many people would possibly have fallen for that and begun to pay on a Stat Barred, or almost Stat Barred debt

[harrassed senior]

Sadly, plenty:-(