Debt Collection Baliffs - To ignore or to pay

denislawsbackheel said:
No.
Don’t respond at all.
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Annoyingly, I did email them back saying I had never heard of the company never mind taken a loan out with them nearly six years ago. I only did this because the online advice on the Citizens Advice website said to complain to the company in the first instance.

Yet to hear back to be fair. But I will ignore from now on.
 
Mr Kobayashi said:
Never communicate with companies when you are so close to the expiry of the relevant claim period (6 years) . You will start the clock again by sending them correspondence back.
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Incorrect- that’s only if you actually acknowledge the debt - which is the same as making a payment. Communication is not acknowledging a debt, unless you write anything regarding making a payment or not being able to make a payment etc
 
olly-1-mcfc said:
Incorrect- that’s only if you actually acknowledge the debt - which is the same as making a payment. Communication is not acknowledging a debt, unless you write anything regarding making a payment or not being able to make a payment etc.
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That may be true but but it is better to tell people to ignore it entirely when there is a risk they might unwittingly reawaken the claim by giving too much information away.

Asking for a balance of account or what it relates to is not an acknowledgement but lay people have a habit of going off script.
 
Psychedelic Casual said:
Nice one mate. If I receive any further emails I will contact that number.
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I would advise contacting them sooner rather than later. Fraudsters tend to act very quickly with details they know won't be challenged. Trust me, you might be be facing an avalanche of letters or E-mails coming your way.

Think of it like losing your credit or debit card. You would soon be on the phone to the bank.
 
There was / is a form you can send off giving them 28 days to come up with the agreement with your signature on it.

If they fail to do so within the 28 days they are prevented from chasing you any further or selling the debt on to another debt collector
 
Psychedelic Casual said:
I have received an email from a company saying they are acting behalf of another company asking me to repay money for a loan I supposedly took out in 2017.

I have never heard of either of these companies and never took out the loan they are saying I did.

I’ve tried looking online but the only information and advice I can find is more related to dealing with companies pressuring people to take out a loan rather than my situation.

I have emailed them back saying that I never took out that loan and they haven’t got back to me. I find it strange that they emailed me rather than sent a letter.

I have an account with Clear Score and my credit score is excellent and on my account with them it shows I’ve never missed a payment on anything.

Is there anyone I should speak to about this? Or should I just ignore and block them? Any advice would be appreciated!
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Ignore. And then, when you get another letter, ignore again. Don’t email , text, phone, write or correspond in any shape or form. IGNORE
 
Psychedelic Casual said:
I have received an email from a company saying they are acting behalf of another company asking me to repay money for a loan I supposedly took out in 2017.

I have never heard of either of these companies and never took out the loan they are saying I did.

I’ve tried looking online but the only information and advice I can find is more related to dealing with companies pressuring people to take out a loan rather than my situation.

I have emailed them back saying that I never took out that loan and they haven’t got back to me. I find it strange that they emailed me rather than sent a letter.

I have an account with Clear Score and my credit score is excellent and on my account with them it shows I’ve never missed a payment on anything.

Is there anyone I should speak to about this? Or should I just ignore and block them? Any advice would be appreciated!
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Hi mate,
I'm no expert in these matters, but I have been reliably informed that your best course of action is to to discretely photograph your neighbours wife, preferably whilst she is in a state of semi- undress, I'd suggest early evening if she's planning a night out, or, alternatively, later on if she's having a relaxing night in.
A preliminary chat can confirm potential plans, but be careful not to be too obvious.
I'll leave the detailed logistics to you.
Post them on here, and I'm sure we'd all be in a better position to advise you on this pressing issue.
 
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