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Hi everyone,
Have read this thread with a great deal of interest and have done some of my own homework regarding Thames Credit. I wasn't sure whether to start a new thread for my query so I thought it best to add on to this one. If any one objects, my sincere apologies and I will repost as new elsewhere. Ok, enough of that; here goes...
I have lived in Japan for 7 years come April 2009. I have never lived anywhere in the UK during that time, nor have I clocked up any debt in the UK during this period. Beforehand, c.'99 - '00, when I was a student, I ran up a sizable overdraft and a nominal Barclaycard debt (the limit was something like 300 quid). Both of these debts were, to my knowledge, paid in full before leaving for Japan. I currently have a Student Loans account which I pay regularly and without any problems, for this purpose I have a UK bank account which is registered at my mother's address.
About a month ago Thames Credit started sending letters to her address with my name on it (it was actually spelled incorrectly) accusing me of owing them around 750 quid. No details of where the debt originated from, just a request that I contact them on a number stated to talk to their account executives. As the letter was sent to the the wrong address, it took some time for it to finally reach me in Japan. Needless to say, other letters have since arrived, explaining they 'could' take legal action and will forward my account to their field agents. Usually, I would shrug this off and shred the nonsense but they keep sending the letters to my mum and I don't want her involved or unnecessarily worried by these scumbags.
I'm thinking of sending a modified template letter via international registered post that states...
a. I do not acknowledge the debt in anyway.
b. Burden of proof lies with them, I will not enable this process for them.
c. Due to my time in Japan, any alleged debt HAS TO BE statute barred
d. I do not live at the UK address they have contacted me at, and that the resident has only forwarded their correspondence out of good grace, something which has been made clear to me will no longer be the case should they continue to erroneously send letters there. Any potential visits to aforementioned address will likely result in a private action for harassment being brought against them by the current resident.
e. I will likely never return to reside in the UK and insist on all future correspondence being sent to my Japanese address.
Please let me know what you guys think, I would be really grateful. I already have the letter templates etc. Like I said before, if my mum's address wasn't involved I would use the letters as scrap paper. It's just that I don't want some moron turning up at her door trying it on. Luckily she knows the score with these jokers as a friend of hers experienced similar problems, so she'll likely tell them to s*d off should they be stupid enough to ignore my letter. But I'd just rather it had nothing to do with her. Luckily they don't have her house phone.no
The strange thing is, is that I have credit cards AND a mortgage in Japan. Any rubbish they threaten me with is a waste of their postage.
Any advice really would be welcomed. Cheers and keep up the amazing work.
Have read this thread with a great deal of interest and have done some of my own homework regarding Thames Credit. I wasn't sure whether to start a new thread for my query so I thought it best to add on to this one. If any one objects, my sincere apologies and I will repost as new elsewhere. Ok, enough of that; here goes...
I have lived in Japan for 7 years come April 2009. I have never lived anywhere in the UK during that time, nor have I clocked up any debt in the UK during this period. Beforehand, c.'99 - '00, when I was a student, I ran up a sizable overdraft and a nominal Barclaycard debt (the limit was something like 300 quid). Both of these debts were, to my knowledge, paid in full before leaving for Japan. I currently have a Student Loans account which I pay regularly and without any problems, for this purpose I have a UK bank account which is registered at my mother's address.
About a month ago Thames Credit started sending letters to her address with my name on it (it was actually spelled incorrectly) accusing me of owing them around 750 quid. No details of where the debt originated from, just a request that I contact them on a number stated to talk to their account executives. As the letter was sent to the the wrong address, it took some time for it to finally reach me in Japan. Needless to say, other letters have since arrived, explaining they 'could' take legal action and will forward my account to their field agents. Usually, I would shrug this off and shred the nonsense but they keep sending the letters to my mum and I don't want her involved or unnecessarily worried by these scumbags.
I'm thinking of sending a modified template letter via international registered post that states...
a. I do not acknowledge the debt in anyway.
b. Burden of proof lies with them, I will not enable this process for them.
c. Due to my time in Japan, any alleged debt HAS TO BE statute barred
d. I do not live at the UK address they have contacted me at, and that the resident has only forwarded their correspondence out of good grace, something which has been made clear to me will no longer be the case should they continue to erroneously send letters there. Any potential visits to aforementioned address will likely result in a private action for harassment being brought against them by the current resident.
e. I will likely never return to reside in the UK and insist on all future correspondence being sent to my Japanese address.
Please let me know what you guys think, I would be really grateful. I already have the letter templates etc. Like I said before, if my mum's address wasn't involved I would use the letters as scrap paper. It's just that I don't want some moron turning up at her door trying it on. Luckily she knows the score with these jokers as a friend of hers experienced similar problems, so she'll likely tell them to s*d off should they be stupid enough to ignore my letter. But I'd just rather it had nothing to do with her. Luckily they don't have her house phone.no
The strange thing is, is that I have credit cards AND a mortgage in Japan. Any rubbish they threaten me with is a waste of their postage.
Any advice really would be welcomed. Cheers and keep up the amazing work.
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