Advice to give my friend re: Connought Collections

fermi

This thread?

Advice to give my friend re: Connought Collections

fermi

LisaB1970 wrote: »

They also state that the debt was not statute barred - fair enough if it wasnt, but do they also have to prove this one way or another?

If they want to continue collecting it, or take legal action, then yes, they do.

LisaB1970

fermi wrote: »

This thread?

Advice to give my friend re: Connought Collections

Yes thats the one. Thankyou Fermi! I shall ask for this one to be closed and add my post to that one.

thanks again.

fermi

LisaB1970 wrote: »

Yes thats the one. Thankyou Fermi! I shall ask for this one to be closed and add my post to that one.

thanks again.

I'll merge them.

fermi

So, which particular letter did you send in the end?

LisaB1970

fermi wrote: »

I'll merge them.

Thanks Fermi, your a star :T

LisaB1970

fermi wrote: »

So, which particular letter did you send in the end?

We sent the "prove it" letter, and asked for copies of the original agreement. They cannot privide this, and are also saying that they find it difficult to understand why she has been paying it fo r3 years. The reason being was they threatened bankruptcy, and she did not know any better.
She had an account with the bank in question but never had any kind of overdraft or a loan that she can recall.

fermi

LisaB1970 wrote: »

We sent the "prove it" letter, and asked for copies of the original agreement.

There are several letter that people refer to as a "prove it" letter unfortunately.

Did you request the copy of the agreement under section 77/78 of the consumer credit act and send a £1 fee?

Or did you just dispute the debt, ask for copies of the paperwork, and say it would be statute barred without doing that?

Need to know so we can try and work out the most appropriate response.

fermi

Also, are they still making payments or have they stopped?

If they are still paying, do you intend to stop them until they conclusively prove that the debt is hers and not statute barred?

LisaB1970

fermi wrote: »

There are several letter that people refer to as a "prove it" letter unfortunately.

Did you request the copy of the agreement under section 77/78 of the consumer credit act and send a £1 fee?

Or did you just dispute the debt, ask for copies of the paperwork, and say it would be statute barred without doing that?

Need to know so we can try and work out the most appropriate response.

We sent the "please provide under 77/78 of the consumer credit act" and sent the fee.

Payments have not been cancelled as of yet.