Received sms and calls regarding a Virgin Active account. I had a membership 6 years ago.
Please note that should this harassment not stop immediately I will take steps on the grounds of the following:
Once a debt has "prescribed", it must be written off and you are no longer liable to pay it.
Certain collectors go so far as to "buy" prescribed debts from credit providers in hopes of collecting payment from unsuspecting consumers.
Once the consumer starts paying the debt again, prescription falls away and the debt is once again activated.
Every consumer should know when their debt has prescribed. A debt prescribes when:
1. A credit provider has not claimed payment/sent a letter of demand/issued summons; and
2. A consumer has not made any payments/acknowledged the debt directly or indirectly for the time periods specified below:
- Personal loans, credit cards, retail accounts and vehicle loans: three years
- Mortgage loans, debts by court orders and money owed to the SA Revenue Service: 30 years
If a credit provider or debt collector is demanding payment for a prescribed debt, challenge them and report them to the Council for Debt Collectors.
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