Very Vague letter from Debt Managers Ltd

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

The last payment to this account was made in September 2006 and it has not been acknowledge since then.

[Never-In-Doubt]

Re: Very Vague letter from Debt Managers Ltd

Ok don't post anything. Ill sort you a reply tonight.

It's the same account that you're getting called up about, right?

Let's get compo

Back later - around 7pm. I'll sort you a good reply that will end this abuse.

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

Yes, the same account, they give the same reference number as on the letters they used to send. See you later.

[CleverClogs (RIP)]

Re: Very Vague letter from Debt Managers Ltd

Let's get compo

How much?

[Never-In-Doubt]

Re: Very Vague letter from Debt Managers Ltd

The last payment to this account was made in September 2006 and it has not been acknowledge since then.

Thanks for that - slight confusion though cos earlier you stated

PLOP!

Had another letter from DM today, they're after a Monument debt thet Fredricksons gave up on a couple of years ago, after I CCA'd them they handed the debt back and went away.

Having looked at the paperwork that came from them then I see that there have been no payments to the account since 07/01/07 so by my maths that makes it statute barred.

Am I correct?

I've sent off a CCA request to DM anyhow, the default was in April 2007 so some more stalling will see me past the default date too.

Any advice from anyone on this would be gratefully received, I'm kind of nervous and also a bit excited too. Sorry!

Please clarify EXACTLY when the last date you paid was. That's two different dates I have read already so one is wrong - we know that much

Thanks

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

Thanks for that - slight confusion though cos earlier you stated



Please clarify EXACTLY when the last date you paid was. That's two different dates I have read already so one is wrong - we know that much

Thanks

The last payment was made on 14/09/2006.

I've been through the statement of the account that was sent by DM and that is the last time they had anything and the last acknowledement is that payment.

Any payments to that account any time later are Monument themselves refunding late payment charges and interest etc.

If you like NID I can send you a copy of the document, that would avoid any further confusion I think.

Sorry for any confusion!

[CleverClogs (RIP)]

Re: Very Vague letter from Debt Managers Ltd

So just refer them to Arkell v Pressdram.

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

So just refer them to Arkell v Pressdram.

They must be tired and emotional...

[Never-In-Doubt]

Re: Very Vague letter from Debt Managers Ltd

Ok send this off and see what that does...

Dear Sirs,

Statute Barred Account No/Reference No: XXXXXXXX

You have contacted me regarding the account with the above reference number, which you claim is owed by myself. Not only that but you've been hounding me now for near on 5 months and the final straw was the other day when you called me on both my landline and mobile (both ignored).

As you know full well it is a direct breach of the OFT Guidelines on debt collection to hound a person when you are not sure whether or not they are the actual debtor and likewise, it is clear that you should not be pursuing persons for any alleged debts that are Statute Barred (Time Barred).

I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". Similarly, I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

The last acknowledgement to this debt was made over six years ago as proven by your own statements - which clearly show that the account has had no intervention from the purported owner since 14.09.2006 and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any action to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to harassment".

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed, with an adequate offer of compensation for your direct harassment as you've now crossed the line with the early morning calls.

I look forward to your earliest reply.

Yours faithfully,



Sign Digitally

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

Thanks NID. More calls today and yesterday, it's not funny now cos I'm on nights at the moment and Mrs Traintester is getting agitated.

This letter is off by special delivery so they'll have it by 1pm tomorrow.

Thanks,

Traintester

[CleverClogs (RIP)]

Re: Very Vague letter from Debt Managers Ltd

Just repeat back to them everything they say, sometimes in the wrong order.

Or look here (link) for more inspiration.

[cymruambyth]

Re: Very Vague letter from Debt Managers Ltd

Great link, really cheered me up. Thank

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

Well NIDDY you are the man.

I sent off the above letter and I haven't heard anything this week at all from DM.

Long may it continue.

It's just under four weeks until the 6 year anniversary of this account being defaulted by the creditor so it will drop off the scene at the end of this month with any luck.

Thanks again,

Traintester.

[Traintester]

Re: Very Vague letter from Debt Managers Ltd

Had a letter today from DM.

"Dear Sir/Madam,

Please be advised that we are no longer dealing with the account number shown above.

Our file has been closed and returned to our client Aroow Global - Monument,

We can confirm that no further action will be taken by DM in relation to this account, and all future communication and payments should be made directly to our client Arrow Global - Monument.

Yours faithfully
etc"

[Deepie]

Re: Very Vague letter from Debt Managers Ltd

Great news ....well done