Need Advice please!!!!

littleangels3

Years ago i had an account with abbey, it ended up with £2000 worth of charges anyway the account was closed and i used to make payments toward it, back in 2007 i think i got a letter from abbey saying i no longer needed to make payment, unfortunately i threw it away, anyway now red debt services are chasing me for the debt, i sent them the statue barred letter but theyve replied with this is not applicable your last attempted payment date on this account was dated 8th december 2007, what do i do now i dont have any account details or anything, please help.

GeorgeUK

If you got a letter from Abbey, they should still have the documents. You could phone them and ask for a copy of the letter - failing that you could send them a subject access request. This would mean that under the Data Protection Act, they are required to provide you with a copy of all information that they hold on you - cost £10

littleangels3

Do you mean abbey? what about red? Im at work in an hour so i will sort out an sar tomorrow thanks.

hannahjayne2407

Send Red a letter telling them the account is in dispute...
[FONT=&quot]
[/FONT]
[FONT=&quot]Dear Sir,[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I would like to inform you that the balance of this account is now in dispute with the original creditor. Therefore, no further action shall be taken until this matter is resolved.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]May I remind you that Section 2.8k of the Office of Fair Trading’s Debt Collection Guidance states that it is an unfair practice for a creditor to continue collections activity on a debt that is being disputed.[/FONT]


Then they will leave you alone. Then contact Abbey and ask for the subject access request. They are legally obliged to send you a copy of every bit of correspondance ever sent to you ever! The letter will be in there....


[FONT=&quot]Dear Sir/Madam

You currently hold details of my personal and financial information within your internal record systems with regard to the above account.

I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organisation:

• Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.

• A complete list of all transactions or statements relating to ALL of my accounts with your organisation.

• Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

• Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial information, or which pertains to me.

• Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

• Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose the statutory maximum fee of £10, cheque serial number 000000. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

I look forward to hearing from you in the first instance of receipt.

[/FONT]
[FONT=&quot]
Yours faithfully[/FONT]

[FONT=&quot][/FONT]
[FONT=&quot] [/FONT]

GeorgeUK

If you send Abbey the SAR letter, you should be able to see when the last payment was made from the transactions that they provide and they should also provide you with a copy of all correspondence - including the letter stating that payment need no longer be made.

As Hannah says, you should just send Red a debt in dispute letter.

littleangels3

Thanks to you both letters are printed and ready to go this aft x