What would you advise me to do now

jez9707

Hi everyone im new here and this is my first post so here we go,
many moons ago I had a HSBC CREDIT CARD. I couldnt pay it and after a while I was paying minimum payments to a firm called Metropolitan collection services.
They then sold the debt to a company called Phoenix Recoveries (UK) Limited S.A.R.L., who then appointed Marlin Financial Services to manage the account, no payments were made after this switch, this was in 2007, I asked them to send me a CCA this was sent in 2008, to this day they never sent the CCA, then last week I recieved a letter from a solicitors Called Mortimer Clarke, The letter stated they had been instructed by phoenix because I had failed to pay or agreed to pay a reasonable payment and they are now going to commence debt recovery if I do not settle or agree to a satisfactory payment agreement, they also posted a income and expenditure form, so Do I have to fill out this form, or should I send them a nice letter stating my lack of a credit agreement, what is my best option, many thanks to you all in advance.

Tixy

HI Jez

Welcome to the forums

How long ago is the many moons you had the card? Was the last payment you made at all to HSBC and how many years ago? Is it more than 6?

If it wasn't that long ago then after you sent the original CCA request did you ever send a CCA reminder or any other follow up letter?

I think that if it wasn't 6 years ago you are probably best following step 11 'account sold whilst in dispute' from this thread.

http://forums.moneysavingexpert.com/showthread.html?t=2060575

DarkConvict

Agreed with Tixy, if they have never fulfilled the CCA result reply with the debt sold whilst in dispute letter - http://forums.moneysavingexpert.com/showthread.html?p=26867923#post26867923

Do not fill in an income sheet, until they can prove the debt is valid.

never-in-doubt

I concur with both Tixy & DarkConvict - that is the correct letter to send in this situation. :j:j:j