Strange letter from a Debt collection agency! re:SKY

Murtle

Karma67 wrote:

well his old bank account is closed so I don't think they would still have records from 4-5 yrs ago....

Hubby thinks he should offer them £100 to get rid of them....I don't think he should as it's not a debt he owes... :mad:

it might be worth a phone call to them to check if they have the statements. In my head I have 7 years, but then I'm writing a stats assignment and my brain could well be fried

Good luck

x

Karma67

Just received a letter form Hamptons Legal, they have been passed thi8s account fomr Lowell, and have used the usual we will take u to court if we don't here from you get CCJ etc, incurring more costs etc.....

I'm sooooooo tired of all this bother!!! the reduction they offered is not valid any more and are demanding £299 in the letter...

so all the letters and requests of contracts/agreements even though they can't produce it , but say he accepted goods and services therefore THAT'S the contract.....I feel we are on a losing battle here!

What do we do now? contact this 'legal' company and negotiate? or go to court and probably get a CCJ??

Sorry so tired and worn down by all this

Murtle

Hi

My bank - Natwest, advised on the phone that I should be able to go into a branch and ask for transaction detail from statements from up to-they believe 7 years ago. The information may need to be ordered but should be retrievable.

Not sure who/what your bank is like, but may be really worth him asking his bank to see if they have the information.

M

Harassed_2

What do we do now? contact this 'legal' company and negotiate? or go to court and probably get a CCJ??

A credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Says it all. You do have to defend the action, though.

Karma67

Thanks again for your advice

I have spoken to hubby and we are 'resending' the 'prove you have a signed agreement' to THIS company and see what happens....hubby is quite happy to go to court over this now, he seems as fed up as me about this situation!!

Karma67

surprise surprise.........just notice in small letters at bottom of letter

'Hamptons Legal is a trading style of Lowell Portfolio 1'

:rolleyes:

Harassed_2

'Hamptons Legal is a trading style of Lowell Portfolio 1'

In other words, a dc trying it on to frighten people.

Karma67

Harassed wrote:

In other words, a dc trying it on to frighten people.

Yup definately!!! :mad: :mad:

Anyway they will be receiving the same letter I sent back in Feb to Lowells with my £1 postal order :rotfl:

Steve27_2

used to work for lowell, they dont take anyone to court over their sky balances and if you just ignore them and they havent got yout telephone number theres nothing they will do

Karma67

We got a threaten court action letter on friday, respond withing 3 days etc.:mad:

I called up on hubby's behalf, did not admit to debt etc, and was told that the payment of £1 in January was his acknowledgemnt of debt!! :mad: That payment was postal order for copy of a signed agreement!!:mad: :mad:

I'm sooooo cross!! so looks like they have us over a barrel now!!!