I'm asking here as i am not sure where to post this

[Spent2much]

Make sure you have copies of any letter plus contents you send them AND Proof of postage!
Don't pussyfoot any dilly dallying report them to regulator with a copy of what you have sent them!

i have only sent them an email at this point , but the reply I got was that they have two accounts and i need to send them proof of my illness and fill in an I&E form, the account I was referring to was the CCJ they have on me and the other account is statute barred , so I find this rather nasty of them adding more stress to my life at this time . They should know when a debt is statute barred and shouldn't have purchased it and certainly shouldn't have mentioned it to me as I didn't mention it .
I have proof of all my appointments from tests scans then diagnosis and now I have a date for surgery .
I feel this dca have stepped out of line here .

[Roger]

Thank you all .

Make sure you have copies of any letter plus contents you send them AND Proof of postage!
Don't pussyfoot any dilly dallying report them to regulator with a copy of what you have sent them!

[Spent2much]

Thank you all .

[Night Monkey]

CONC is the Consumer Credit sourcebook, the specialist sourcebook for credit-related regulated activities.

For those who might need to look it up - I did .

[Roger]

Vulnerability & Creditor Treatment. Free Advice. StepChange

No I&E unless advised on here

As The Tech Clerk above
But also CONC comes into this (for some reason its not often mentioned)

CONC comes under the Regulator!!

QUOTE CONC TO THEM and threaten to report them to the Regulator!

FCA Handbook - FCA Handbook
Statute Bar Debts are here QUOTE CONC to them!!

CONC 7.15 Statute barred debts - FCA Handbook

CONC 7.15.7G01/04/2014RP
It is misleading for a firm to suggest or state that a customer may be the subject of court action for the sum of the statute barred debt when the firm knows, or reasonably ought to know, that the relevant limitation period has expired.


Are well if you have Health issues and you can evidence this with Medical proof these are grounds for clearing these debts!

CONC 7.10 Treatment of customers with mental capacity limitations - FCA Handbook

A firm must suspend the pursuit of recovery of a debt from a custome...

[The Tech Clerk]

Vulnerability & Creditor Treatment. Free Advice. StepChange gives a bit of info:-

No I&E unless advised on here


Harassment by creditors - Citizens Advice I found to be the best of the two. have a chat on the phone with them the Tel No:- within content.

[Spent2much]

Personally, if you show them evidence of your illness then they must treat you as to some extent vulnerable- if you don't they will argue they didn't know. Remember people say all sorts of things to get out of something, how many grandparents to some people bury :-)

However, I certainly wouldn't send an I&E.

Hi, I agree I am willing to send them evidence of my illness and even have the date of surgery now , but like you say I don't feel they need and I&E, I would like to know whether to tell them that they have another account that is five years statute barred ?. I think is very nasty of them to even mention it adding to my stress and might even consider reporting them for it .

[Pat]

Personally, if you show them evidence of your illness then they must treat you as to some extent vulnerable- if you don't they will argue they didn't know. Remember people say all sorts of things to get out of something, how many grandparents to some people bury :-)

However, I certainly wouldn't send an I&E.

[Spent2much]

I wouldn't send them an I&E either.

I'm not going to , should I tell them the second account is statute barred ?

[Still Waving]

I contacted Hoist finance to ask if they would write the debt off, they replied , but they say I have two accounts with them , I know they bought a statute barred debt and have been bugging me to pay it , so they can whistle for that one .
They are asking for a I&E form for me to fill in and also send them some medical evidence of my diagnosis , they've put both accounts on hold for 30 days .

I am not acknowledging the second debt as its been statute barred for five years in July this year .

I wouldn't send them an I&E either.

[Spent2much]

I contacted Hoist finance to ask if they would write the debt off, they replied , but they say I have two accounts with them , I know they bought a statute barred debt and have been bugging me to pay it , so they can whistle for that one .
They are asking for a I&E form for me to fill in and also send them some medical evidence of my diagnosis , they've put both accounts on hold for 30 days .

I am not acknowledging the second debt as its been statute barred for eleven years in July this year .

[Spent2much]

Recent diagnosis and upcoming treatment, I would suggest.

Yes this has made it worse , the support nurse has already arranged for help with this and the hospital I am having the surgery know about it too and I've been told I will be supported for it .

[Spent2much]

Please don’t be offended by my next question, I am looking to understand.
why do you suffer stress/anxiety, is there an underlying reason?

Hi, No offense at all , I suffered PTSD as a child

[Timewilltell]

Recent diagnosis and upcoming treatment, I would suggest.

Yes my bad, just reread thread. Apologies.

[Still Waving]

Please don’t be offended by my next question, I am looking to understand.
why do you suffer stress/anxiety, is there an underlying reason?

Recent diagnosis and upcoming treatment, I would suggest.