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Additional Details
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jackie g | Letter from debt collectors? |
hi my husband has recived a letter saying a company has brought his debt, he knew nothing about the money they are trying to reclaim, so he rang them the debt is from 1993, they have told him he can have a discount if he pays straight away, he has asked them for the original documentation, they say they can not send him anything, does anyone know how long without contact from a company before the debt becomes void. has anyone come across this before. thanks. |
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eirefaeriemom
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ok, do NOT acknowledge the debt! Do not call them and definately DO NOT put anything in writing.
The limitation has expired. If the debt is acknowledged is starts again.
The answer to your question is 6 years.
So they had until 2000 to recover money.
Stay quiet on this, the debt collectors know the law and WANT acknoweldgement of this debt. The crown court would throw this case out. Stay Quiet.
and remember....he did not phone them ....and if he did it was to deny the debt, that is all. |
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susie x ♥♥♥
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I would suggest he go to the CAB and speak to someone there as he may get wrong (but well meaning) advice from people on here. This isnt something you want to get wrong. |
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suziejoy
 |
6 years husband did the wrong thing in making contact |
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psych_78
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Sounds like a scam to me!! Call the police or ignore it. You can't have a debt for which you never knew you had. I've never heard of companies selling the debt on to another company. They usually hire debt collectors to collect the money on their behalf. There is a difference. Don't fall for this!! |
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scotbel
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This sounds like a con. If he owed a debt back to 1993, thats over 14 years ago. Call consumerdirect immediately! 08454 04 05 06. |
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Nick P
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I agree - 6 years. They can't do anything about it now. |
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twinklestar
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Hi
I have come across a similiar situation with a company i used to work for they appear to be a fraudlent company and according to citizen advice centre, they advised us not to pay and the debt and it dissappeared as if by MAGIC, contact them for advice..
Hope it Helps |
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SUE G online
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i wouldnt pay anything until they can prove that the debt is yours, i think it is 7 years silence before it becomes void. |
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Indy500
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Six years from the time you last (if ever) acknowledged the debt.
Tell them to produce original documentation, with your husbands signature.
Do it in a letter, and make it a 'signed for' delivery.
They have a certain amount of time to respond. I think it is four weeks. If they don't, they do not have a claim and if they continue to send you letters you can complain to the Financial Ombudsman. If they get enough complaints about a company, they can strip it of its licence.
Just out of curiosity, what is the name of the company?
There are many forums on the internet that give advice on what to do when these letters are received. Type in the company name and "debt forum" and see what other people have to say about the company you are dealing with. |
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Piztaker
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Sounds like a scam. |
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1 Hr Bookkeeper
 |
It can only affect your TRW's for 7 years, so anything older then seven years can be ignored unless it's child support, or a court ordered payment. Have him inform them that he does not owe the money they are trying to claim and that he will not pay it. Then make sure he checks his TRW's from transunion, experian or equifax to see if these people have tried to lay a claim on his TRW. If they have, he can dispute it and have them taken off forever.
Hope this helps. |
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SlimMick
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This debt is WAY outside both the statue of limitations and the seven year reporting cycle for being reported on credit reports. They have no power over you.
Send them a Cease Communications letter via Registered Mail with Return Receipt. Here is a good template:
http://www.budhibbs.com/cease_comm.htm
Once received they have to stop calling you.
Pull your credit report to make sure they haven't placed negative entries on your credit reports. Collection agencies are notorious for placing bogus entries with altered "date of last activity" dates. If they've done this, dispute the entries with the credit bureaus.
Do not speak with them on the phone and in particular do not make any payments on this alleged debt, as doing so will validate the debt and reset the statue of limitations.
Understand that you have rights under the Fair Debt Collection Act, which is a federal law governing the behavior of collection agents. Collection agents cannot take your firstborn child, nor can they send the sheriff to your residence to have you arrested if you don't pay them by sundown. |
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SAPPER
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No documentation = No debt, tell them to take a hike. |
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lizjess2000
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i had the same problem Hun, cab told me after 3 years they cant claim it i seen a solicitor and the debt was wrote off. don't pay seek advice good luck |
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tetsuwan atom!
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I got one recently that just said that if I don't phone this number and pay "this debt" immediately I will be taken to court, It didn't have a company name or even an amount on it!
Just ignore it, if it was a real debt they would have proper information on it. Even if you did owe money there's nothing they can do after 6 years!
By the way all this stuff about court cases is just crap, the legal fees would outweigh any debt that was owed, chuck it on a bonfire and forget all about it! |
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trop
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I thought it was 4 - 6yrs. No deal: no discount: do not need orig documentation because it would refresh your husband's mind. Forget it, they bought an account via factoring...let them eat it!! |
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stephenweinstein
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If this is a tax lien, there is no limit. Otherwise, even with contact from a company, after a certain amount of time with no payments from him, no agreement from him to pay, and no lawsuit filed against him by the company, the statute of limitations expires. The exact amount of time varies from state to state, but I have not heard of it being 14 years or more anywhere. My guess is that he does not have to pay anything. To be sure, you would need to either add the name of the state, reask the question with the name of the state, or look up the statute of limitations for your state. |
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Richard Jesus T. Savellano
 |
Request a duplicate or photocopy of the document bearing the signature of your husband (if possibly, in "black and white", have it copy received) and ask him to recall if he ever had a previous transaction with the debtor. If they will insist that they don't have any copy of the document, Then it is a scam, taking advantage to unsuspected victims. The request letter will serve a your defense if the case persist and be filed in courts. All lending companies should issue at least a photocopy of the document they are trying to collect attached to the collection letter for transparency and in accordance with the :Truth of Lending Act". All indebtedness become void if there are no action of the lending companies for more than 15 years. Some less than that depending on the circumstantial situation and the nature of the indebtedness. |
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src50
 |
Could be an outright scam. Depending on the type of debt (if its genuine), he may be beyond the legal statute of limitations and not have to pay anything anyway. Until they prove their statements with written documentation, have nothing to do with them, but keep an eye on your credit reports. |
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stormydays
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6 years and one day for no contact....but your husband has now contacted them
Next step is to write to the debt collector and state that if they do not provide documentary evidence that he owes the money any future correspondence from them will be seen as a form of harrasment for which further advice will be taken |
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Angel
 |
Con Trick. |
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Ivor Biggen
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Did the debt collector have a Nigerian accent ? |
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janice C
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debt collectors buy debts for pennies on the dollar. thats how they make their commissions. Depending on which state you live in there is a statute of limitations. once reached you don't have to pay a dime. The statute begins on the last day you pay them -- don't send a dime until you've looked up your states statue of limitations for debts. The creditor can't sue you after the statute of limitations has been reached. For example in Texas a creditor has 4 years to try to sue. Some states have 7 years. |
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begtan51
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Sounds like a con. Don't pay any money as a first step, and don't phone. Written correspondence can be used as evidence. Double check with Trading Standards that the firm exists, are licensed and are following the appropriate procedures. The Citizens advice bureau is also good. |
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claimbankchargesback
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Unfortunately this could have actually damaged the situation.
When a debt is older than 6 years, and there has been no contact between the debtor and the lender for a period of 6 years, the debt becomes statuate barred.
This means that the lender can no longer take the debtor to court to get the money, so if the debtor says they are not going to pay, then theres effectively nothing the lender can do.
No contact means no conversation between the debtor and the lender. The lender can send letters, but they don't count as communcication if theres no response.
In your husbands situation he should of told them that he does not acknowledge the debt. This MUST be on the letter he sent them, and he shouldn't of signed the letter.
If he has done this, then if he writes to them again, saying that he doesn not acknowledge the debt, and its his belief that the debt is statuate barred and no payment will be forthcoming, that should pretty much the end of it.
However, if he has written about the debt, and not put that he does not acknowledge it, then that counts as communication and the 6 year time limit resets, allowing them to take him to court to get the debt. |
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Spiritual Darren
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6 years |
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