ACI chasing a 20+ year old debt

[Plodder]

Good evening I’m hoping someone will be able to help me

I had a letter from ACI around a month ago chasing an old debt for just over £1000 from the late 90s early 00s

Not acknowledged or made payments/contact over nothing since then.

A couple of weeks ago received another (undated) letter saying that Verify ( part of the same company I assume) will visit to try and figure out if it’s me I guess

The past couple of days I had a hand delivered letter from them

blah blah delivered by verify

need to speak to you

you can set up payment plan

may send another agent or assess account for litigation


Now the annoying thing is I watched them (from work) on the camera asking my neighbours if X X lived here!

Is that even allowed?

My OH is furious as it relates to debt which all of those years ago was with a previous partner

Although the purchase at the time was no doubt something for me.

Do I need to worry here?

Any advice appreciated of course, I do see similar threads but unsure on my best course

Thanks

Plodder

[echat11]

Hi Plodder

Welcome to LB

If no payments to acknowledgement of the debt has been made in the last 6 years, then the debt is statute barred (providing there is no CCJ).

Send ACI the following letter, make sure you get Proof of Postage.

https://legalbeagles.info/forums/for...ed-debt-letter

You could also lodge a complaint with ACI regards 'Now the annoying thing is I watched them (from work) on the camera asking my neighbours if X X lived here!'

But you need to find out what was said, they shouldn't reveal who they are and any details to do with your debt. There are Rules that govern debt collection activity.

Follow the complaints procedure on their website.

Update when you get a response.

[Plodder]

There were two instances. One I have on video with sound where the individual stopped a car and clearly asked “do you know if a X X lives there (pointing at my house). Then can be heard at a neighbours house

[Plodder]

Letter printed

Thank You

will be sent tomorrow

Now the letter has their P.O. Box in Blyth Northumberland but their registered office is in Whitehills business park Blackpool

any suggestions where I send this

thank you again

[echat11]

There were two instances. One I have on video with sound where the individual stopped a car and clearly asked “do you know if a X X lives there (pointing at my house). Then can be heard at a neighbours house

You need to make your complaint with evidence. You'll need more then they asked 'where you live?'
That question a friend could ask if they weren't sure where you lived.

[echat11]

Letter printed

Thank You

will be sent tomorrow

Now the letter has their P.O. Box in Blyth Northumberland but their registered office is in Whitehills business park Blackpool

any suggestions where I send this

thank you again

Send it to their registered office (you could send the letter to both locations).

[Plodder]

Thank you

I will update

[Plodder]

Evening everyone

Good news from me

received a letter from ACI.

We have reviewed your account and can confirm it is statute barred blah blah

we have updated our records accordingly

the account has been closed and returned to intrum U.K. finance Ltd

you will no longer receive communication from us regarding this matter.

thank you so much to everyone

lets hope that’s the end of it

[echat11]

Well done on getting it sorted, just update if you get any more communications on it.