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  • #1

    Please help

    Hi All,


    I had an account with virgin back in 2004. Due to my financial situation I could not keep up with payments and started missing payment around march/april 2008.


    I got a letter last week and got another one this week saying it will be passed onto scott call and they will visit my house to recover the debt.


    I had a look through my credit file and it says that I started missing payments in April 2008 but they put the account in default back in October 2008 which was after the 5th continuous missed payment in September 2008.


    Any help will be appreciated. Shall I start by sending CCA and SAR requests.


    Please advise.
    Tags: None
  • #2
    Re: Please help

    Would this be Statute Barred now?? or at least nearly there??
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

    Comment

    • #3
      Re: Please help

      Thanks Katie,

      I understand about statue barred. But what steps you think I should take now or wait and see.??

      Comment

      • #4
        Re: Please help

        Well ... you could start off with the CCA and SAR requests, but personally (as it looks to be so close to statute barred anyway) I would be tempted to hold off and see if they actually do pass it on to a DCA :tinysmile_twink_t2:
        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

        It doesn't matter where your journey begins, so long as you begin it...

        recte agens confido

        ~~~~~

        Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

        I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
        But please include a link to your thread so I know who you are.

        Specialist advice can be sought via our sister site JustBeagle

        Comment

        • #5
          Re: Please help

          I'm sure some more knowledgeable people will come along to advise at some point tho'
          Debt is like any other trap, easy enough to get into, but hard enough to get out of.

          It doesn't matter where your journey begins, so long as you begin it...

          recte agens confido

          ~~~~~

          Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

          I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
          But please include a link to your thread so I know who you are.

          Specialist advice can be sought via our sister site JustBeagle

          Comment

          • #6
            Re: Please help

            I'd hold off too, although you could argue it back to probably June 08 you'd be better off keeping shtum for now and if you get a further letter to simply respond with a statute barred letter.
            #staysafestayhome

            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

            Received a Court Claim? Read >>>>> First Steps
            • 2 likes

            Comment

            • #7
              Re: Please help

              Thanks alot for your replies. It was actually Lowell who sent a letter saying it is being passed to equidebt and then equidebt who has transferred it to scotcall by saying one of the debt collector will visit me from ScotCall.

              But just incase if someone does turn up at my property. What will I do then or say to him?

              Comment

              • #8
                Re: Please help

                Don't let them in. Ask to see ID (you can talk through an open window or even the letter box :tinysmile_twink_t2 or refuse to talk to them. Don't sign anything. Don't admit the debt.

                If you get another letter, do as Amethyst says and fire off a Statute Barred letter (posted signed for/recorded - costs approx £2)
                Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                It doesn't matter where your journey begins, so long as you begin it...

                recte agens confido

                ~~~~~

                Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                But please include a link to your thread so I know who you are.

                Specialist advice can be sought via our sister site JustBeagle
                • 1 thank

                Comment

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