Tweet
Hi all, first time poster here.
A few weeks ago I received a letter from a DCA called UK Search Limited acting for Intrum Justicia. I know IJ buy up old debt, and the amount they are after is sizeable, although I've no recollection of any debt to them.
I think this might be an old debt accrued around the time I moved home and bank (12 years ago) , where despite informing all my creditors of my change of address and bank details at the time, some creditors stopped taking payments when due.
I tried at the time to sort this out, but gave up when it became apparent the creditors either weren't listening or just too inept to change my details on their computers and over time forgot all about them.
That is until now, when these letters began coming in. Now my account has been passed to some firm called Incasso LLPsolicitors acting for UK Search Limited acting for IJ with a 10 day response. Funnily, the date of the letter was 30/4 - just before the bank holiday.
Now, I'm familiar with the CCA request, and also the Statute of Limitation having been down this road before, with Aktiv Kapital. But I could do with a quick refresher on letters to send, timescales etc and which SoL applies, given that I am in Scotland but the DCA is England-based? I'm assuming it will fall on the debtor as to which one is applicable.
So, do I send the CCA request first and see how that pans out, or wade straight in waving the Statute Barred card and forego the niceties of the CCA?
Thanks!
A few weeks ago I received a letter from a DCA called UK Search Limited acting for Intrum Justicia. I know IJ buy up old debt, and the amount they are after is sizeable, although I've no recollection of any debt to them.
I think this might be an old debt accrued around the time I moved home and bank (12 years ago) , where despite informing all my creditors of my change of address and bank details at the time, some creditors stopped taking payments when due.
I tried at the time to sort this out, but gave up when it became apparent the creditors either weren't listening or just too inept to change my details on their computers and over time forgot all about them.
That is until now, when these letters began coming in. Now my account has been passed to some firm called Incasso LLPsolicitors acting for UK Search Limited acting for IJ with a 10 day response. Funnily, the date of the letter was 30/4 - just before the bank holiday.
Now, I'm familiar with the CCA request, and also the Statute of Limitation having been down this road before, with Aktiv Kapital. But I could do with a quick refresher on letters to send, timescales etc and which SoL applies, given that I am in Scotland but the DCA is England-based? I'm assuming it will fall on the debtor as to which one is applicable.
So, do I send the CCA request first and see how that pans out, or wade straight in waving the Statute Barred card and forego the niceties of the CCA?
Thanks!
Comment