written off debt

[alibaba40]

Firstly i had 2 letters on same day, from a company called Call-4-Cash direct , who i've never heard of. A Notice of Default for an arrears fee on 2./7./10 for £12.00 . Second letter also dated 3/7/10 states
Opening balance £88.70 - 31/12 2000 write off balance £88.70 - 3/7/10 Reinstate balance -- charge for arrears . Closing balance £100.70 DUE NOW Interest will be charged at daily rate.

I was shocked when i noticed the dates ! What ever this is how can a debt written off 10 years ago suddenly be reinstated. They wrote again 4/7/10 saying as not heard back, no alt but send to debt collection but will hold 10 days before court action . Is this legal ?

[factor-fiction]

Can you clarify what you mean when you say it was written off 10 years ago.
Ta.

[boxtops]

Soounds like a scam to me,, there was a very similar posting a few weeks back.. Up to them to prove you owe it, I believe - if it goes to course and you have never owed this money, they will look pretty silly. However debt collectors can only be called off by the company who instructs them, so it is worth your sending a recorded delivery letter to the company saying that you don't owe this money (presuming that you don't, of course) and can they stop pestering you.
Btw is the letter personally and correctly addressed to you - not just to the Occupier or anything vague like that?
Don't be taken in by the threats .

[boxtops]

^^ court, not course

[sandyRoe]

Isn't it the law that no debt is recoverable after 7 years?

[factor-fiction]

Not quite the case, sandyRoe- it depends. For example if they have been writing to you for 7 years but you keep ignoring the letters or you move without telling them and they keep writing then the debt doesn't become statute barred I understand.

[alibaba40]

I've had no communication that i can remember , not in last 10 years. I didn't even recall what it could have been for, then looking again first 2 letters make no referral to what its even for, but third says Personelle mail order ?

[factor-fiction]

It may be a scam or someone just trying their luck.
But I'm still not clear whether you accept there ever was debt. What did you mean when you say it was written off 10 years ago? Who said it had been written off?

[factor-fiction]

http://www.consumerac...-way-asking-me-2.html
They seem to be part of London Scottish Finance Ltd

[dzug2]

Writing off is an internal accounting procedure of the company concerned. They can just as easily write it back in again if they see fit.

Whether that would be justified in this particular case is another matter.