We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

A little help for a newbie please

Options
Good afternoon all and a happy new year

We have come home today to a final demand letter from Lewis Debt Recovery on behalf of CL Finance Limited for £2787.95. This is from a credit card which partner had years ago and ran away from after he lost his job. He has been trying to remember when he last made a payment on this and believes it was 6 years ago in October 09 but isnt 100% sure.

I dont really want to phone this company due to the advice given on other boards as they will prob get us to agree to all sorts but can someone offer us some advice please.

We have just signed up to Experian to look at his credit file and there is nothing on there about CCJ's or outstanding debts with the particular bank the debt was with.

Do you think this debt will be considered statute barred now? And also does anyone know what Lewis Debt Recovery are like for leaving people alone after sending the template letter advising of the debt being statute barred??

Thanks in advance

Flakey39

Comments

  • Firstly, NEVER Phone them. Look in the templates for the 'Prove it' letter, which basically say that you don't know of or acknowledge any debt to them.

    It is up to them to prove you owe it.

    Cheers, HG
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    If you're fairly confident it's statute barred I'd send that letter - let them prove otherwise

    Don't know anything about this DCA but agree that all contact should be in writing

    Good luck :D
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.7K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.4K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 256.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.