Allied International

[valeriej43]

I keep getting calls and if i dont answer,letters from these people,just recently about a debt from 1998, i only answered once and told them the debt was statute barred
It is almost every day,i told them that time not to ring again, there was a lull for a while but now ringing again, i have barred them from my landline,but they just use another no, cant bar on my mobile phone,so i just ignore, anything i can do help please, its stressing me out

[nemesis45]

Re: Allied International

Hi Welcome,
If the alleged debt is statute barred, the debt collection agency can continue to chase for payment, the debt still exists but cannot be enforced via the courts.
You must write to the Compliance Manager at Allied International and state that the alleged debt is statute barred and you will not be making any payment.
Remind them that the FCA states that " it is unfair to press for payment (of a statute barred debt) after the debtor has informed the creditor in writing that the debt is statute barred and they will not be paying.

Signed for post check receipt.

[valeriej43]

Re: Allied International

Hi Welcome,
If the alleged debt is statute barred, the debt collection agency can continue to chase for payment, the debt still exists but cannot be enforced via the courts.
You must write to the Compliance Manager at Allied International and state that the alleged debt is statute barred and you will not be making any payment.
Remind them that the FCA states that " it is unfair to press for payment (of a statute barred debt) after the debtor has informed the creditor in writing that the debt is statute barred and they will not be paying.

Signed for post check receipt.

Thank you for your reply i will do this
I thought the credit reference agencies would have this on record, i didnt know i had to do anything else

[FlamingParrot]

Re: Allied International

Thank you for your reply i will do this
I thought the credit reference agencies would have this on record, i didnt know i had to do anything else

Statute barred has nothing to do with the credit reference agencies, although defaults also drop off your credit file after 6 years, the date when they drop off and when a debt is SBd is hardly ever the same. Many people keep making payments long after defaulting thus debts are not SBd even when they've dropped off the credit records.

There's no record of SBd debts and a claim can still be issued for a SBd debt, the claim has to be defended to avoid default judgment.

[nemesis45]

Re: Allied International

The problem is that debts are sold in bulk portfolio lots with the absolute minimum of data.
The debt purchaser has little knowledge of the status of a debt>
CRA files will how the date the debt purchaser acquired the debt, the value and the default date, the
name of the original creditor and the type of account.
Much in this area is left to the credit account holder to challenge suspected errors and Limitations Act 1980 problems.

[spirit2534]

Re: Allied International

nemesis45 is correct in his analysis. The debt purchasing companies just hope that a sufficient number of those debtors don't contest, even querry the debts.

If the debtor does nothing they go for default judgments.

I suppose as they normally only pay about 10% of the value of the alleged debt, this gives them a cushion to sort out those who just pay up or who they get CCJs against.

[valeriej43]

Re: Allied International

Thank you for all replies, unfortunately I have had no computer since I last posted, accidentally dropped ,and only just got another, I have had another letter this morning which say opening balance of debt August 2014, which again was from about 10 years ago, when I was going through a very bad patch, heard nothing about this until today, should I contact the CRA and ask why these are still on my credit file? thanks again

[nemesis45]

Re: Allied International

If the debt (s) were defaulted more than 6 years ago the CRA should have removed the entries on the 6th anniversary of the default date.

However IF the default still has " time to run" when a debt becomes statute barred the entry remains for the balance of the 6 year period.