Advice please....

katster

I have received a letter from Rockwell Debt Collectors, collecting a debt for car finance. I think it was from about 8/9 years ago. This debt hasn't shown up in 2 previous credit checks. I have sent them a letter asking for copy of the credit agreement etc. Starting to wish I had denied all knowledge. Where do I stand and what to do!??? Please help

Tixy

Have they responded to your first letter.

First letter should usually be the prove it letter - http://forums.moneysavingexpert.com/showpost.html?p=11570893&postcount=2

Then if they prove you owe the debt you would then need to think whether it could be statute barred.
Was the car handed back /repossessed? Was is definitely a secured loan?
If you haven't paid anything towards the debt for 6years or acknowledged in writing that you owe the money it could well be statute barred - in which case you would send the relevant letter. http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act (link is for england & wales only)

If they can prove it and its not statute barred then come back for more advice.

katster

Thank you Tixy,

I didn't send a prove it letter, got myself in a tizz! So the first one I've sent is the request of copy of credit agreement (which I sent Spec. Del. the day before yesterday!).

I think they did take the car back a couple of months after buying it. I don't have any paperwork at all for this because my then boyfriend made things very hard for me eg. getting my stuff back. I thought that because they had taken it back that was the end of it. I can't really recall too many details as it was so long ago. This is the first I have heard anything about this debt for 8/9 years.

I have moved quite a few times over the years, but have had credit checks for rental properties and this has never shown up before.

Edit; Have just read the link you attached and that is a great help. I feel much better now! There is hope. Thank you Tixy

katster

:beer:I received a letter from Rockwell yesterday to say that they asked for the credit agreement etc and the company didn't have the paperwork so the case has been closed :j so thank you Tixy and thank you Moneysavingexpert for your very helpful advise xxx