false information by debt collection company

steph100

Hi

We have received a letter from a debt collection agency for a debt that has been paid directly to the supplier of the goods (a health club) we also have a receipt from them confirming the payment. The letter from the agency states they are going to commence court action and that we have to pay them a further £60.00 on the debt. This is the first letter from them and arrived a day later after paying the outstanding balance. Can they still charge us this £60.00 or should i refer them back to the health club . I wondered if by accepting the money from us directly whether the health club will have to call the agency off. Also the letter states if we dont pay it will have a severe inpact on our credit rating and aslo that of other family members. I believe this is an incorrect statement as I thought the law changed and you can dissacciate yourself from any one in your family at your address who has a poor credit rating, so even if they did continue any detrimental credit rating agains my husbans should not affect me as I was not party to the original agreement the letter is addressed only to my husband and it was a single membership. Any advice appreciated.

thriftymomma

You can only be disassociated with someone if you no longer have any finiancial accounts in joint names. And even simply applying in joint names also creates an association.
Re the debt, I would call the health club firstly as they would be the ones who know that you account is settled. Good luck.