Debt collection companies sometimes use bullying tactics and a person's ignorance of the law to try and claim a debt which is not enforceable by law.
If you ever get a call or a letter from debt collection companies saying you owe money for a debt then you have to know the law relating to outstanding debts.
If the debt is over six years old and you have not made any payments or received any acknowledgment of this debt then in accordance with the Limitation Act 1980 the debt is statute barred.
Once it can be determined that the debt is statute barred then you should not contact the Debt Collection companies and acknowledge the debt.
Once you do acknowledge the debt then it becomes live again.
If you get a telephone call, which you will probably receive several, refuse to disclose any information.
Don't even acknowledge your name when they ask who they're talking to.
All you want to do is say to them that any correspondence with them will be made in writing.
As soon as this is done then a letter needs to be drafted and sent with a postal order for £1 which is a statutory fee asking that they provide you with details regarding any amounts that they say is owing.
You need to give the collection company 14 working days to respond to this letter, if they fail to then they cannot proceed further.
Once you get a copy of the requested details then you have to send a second letter stating that the debt is statute barred as no payments or acknowledgment has been made in the last 6 years.
This letter is normally enough to for the Debt Collection companies to respond to you in writing saying that the matter is now closed and no more action will be taken.
If you ever get a call or a letter from debt collection companies saying you owe money for a debt then you have to know the law relating to outstanding debts.
If the debt is over six years old and you have not made any payments or received any acknowledgment of this debt then in accordance with the Limitation Act 1980 the debt is statute barred.
Once it can be determined that the debt is statute barred then you should not contact the Debt Collection companies and acknowledge the debt.
Once you do acknowledge the debt then it becomes live again.
If you get a telephone call, which you will probably receive several, refuse to disclose any information.
Don't even acknowledge your name when they ask who they're talking to.
All you want to do is say to them that any correspondence with them will be made in writing.
As soon as this is done then a letter needs to be drafted and sent with a postal order for £1 which is a statutory fee asking that they provide you with details regarding any amounts that they say is owing.
You need to give the collection company 14 working days to respond to this letter, if they fail to then they cannot proceed further.
Once you get a copy of the requested details then you have to send a second letter stating that the debt is statute barred as no payments or acknowledgment has been made in the last 6 years.
This letter is normally enough to for the Debt Collection companies to respond to you in writing saying that the matter is now closed and no more action will be taken.
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