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  • #1

    New member hello

    Hello all at legalbeagles and fellow forum users.On 4/02/13 i sent a 'prove it' letter (recorded del) to Scotcall DCA after two doorstep visits and a number of 'threat letters' from various DCA's.Last week i received letter offering 'amazing settlement offer' of a reduced amount to settle 'debt'.No acknowledgement or comment on my 'prove it' letter was given.The 'debt' refers to an overdraft facility on a joint a/c with my ex wife some 7 years ago which the bank acknowledged at the time that the debits were made by my ex using her card.Can you please advise my next steps please?Many thanks,
    Raymondo
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  • #2
    Re: New member hello

    Originally posted by raymondo59 View Post
    Hello all at legalbeagles and fellow forum users.On 4/02/13 i sent a 'prove it' letter (recorded del) to Scotcall DCA after two doorstep visits and a number of 'threat letters' from various DCA's.Last week i received letter offering 'amazing settlement offer' of a reduced amount to settle 'debt'.No acknowledgement or comment on my 'prove it' letter was given.The 'debt' refers to an overdraft facility on a joint a/c with my ex wife some 7 years ago which the bank acknowledged at the time that the debits were made by my ex using her card.Can you please advise my next steps please?Many thanks,
    Raymondo
    Hi and welcome

    If you haven't made any payments or acknowledged the debt in writing for at least 6 years (5 in Scotland), then the alleged debt would be Statute Barred. If so, you don't have to pay a reduced amount, you don't have to pay anything at all. When a debt is SBd, all the debtor has to do is inform the DCA of that fact and they should cease all collection activity immediately.
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    • #3
      Re: New member hello

      HOORAYYYYYYYYYY i won,Thankyou very much all at legalbeagles.Just received letter from Cabot accepting my debt is statute barred!!
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      • #4
        Re: New member hello

        Originally posted by raymondo59 View Post
        HOORAYYYYYYYYYY i won,Thankyou very much all at legalbeagles.Just received letter from Cabot accepting my debt is statute barred!!
        WELL DONE!!!
        :cheer2::cheer2::cheer2:

        DCAs like Crapbot buy debts in bulk without any history or details, it has to be pointed out to them that they've bought a lemon!
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        • #5
          Re: New member hello

          Well Done!!!! :beagle:
          "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

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