How many years of debt?

malldoc

Where do I begin?! Years ago I entered into an agreement with a company (can't remember who now as it has been moved on and on to various companies!) for debts to barclaycard for my husband and I. I have been making payments for years (at least 7) and know that the original debt owed to barclays was more than paid! I couldn't contact the company concerned so I cancelled the direct debits only for Thames Credit then Activ Kapital to come out of the woodwork saying we still owed thousands (nearly £7k) in interest charges. Surely this can't be allowed? They are still charging me now although I have told them I dispute their charges. I challenged them asking for credit agreements etc then they blanked me for 4 months and came back last week with a letter from 2002 showing that the late interest charges were in black and white and I was liable. I have told them that I am taking legal advice, going to Trading Standards etc, which I fully intend to. What I would like to ask is what sort of solicitor should I contact for advice? Presumably a specialist in this field? I would rather pay a solicitor than them! Thanks!!

RAS

Hi

This sounds deeply dodgy.

Please can you scan or photo what AK sent you last week and post a link or photo on here.

malldoc

Hi

I will upload tomorrow from work scanner!

Thanks

RAS

Please as there are a number of people here who know a valid CCa from what is often sent by DCAs.

And the names of the DCas you quote those we would expect to have unenforceabledebts.

malldoc

Hi again

Problem is it says at the bottom that I am not allowed to post attachments?

Will check.

Thanks

malldoc

Hmmm, scanned to make a pdf document but am struggling to upload! Will keep trying.

RAS

To upload > click here > browse > select file > upload > highlight & right click on "for forums & message boards > copy > come back to your thread and paste the link.

10past6's instructions. I am hoping the link works.