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Very very old "alleged" debt
I recently received a phone call out of the blue from a company called Sanclare Financial claiming I owe money (£233.88) on a loan I took out whilst living in Bristol (10 years ago!). The loan was with HFC bank and lasted 3 years. I definately paid off this loan and never missed a payment. I even recall receiving a letter from HFC when the loan was about to finish saying so. I didn't keep this letter...
I have since moved about 5 times and am not sure how Sanclare have got my number. I stupidly gave them my new address so they could send me details of this alleged debt.
I rang them after receiving the letter to say this loan was from about 10 years ago and I wasn't paying them. I asked for details of the outstanding debt and they told me to contact HFC bank. I contacted HFC who say they need more of my details i.e. my address in Bristol. I don't have this as only lived there for 6 months and don't remember!
I'm not sure what to do now and it's really stressed me out. I know I cleared the debt and am damned if I'm going to pay £233.88 to a company when they can't provide details of what it's for!
Can anyone advise me?
Thanks, Markyd
I have since moved about 5 times and am not sure how Sanclare have got my number. I stupidly gave them my new address so they could send me details of this alleged debt.
I rang them after receiving the letter to say this loan was from about 10 years ago and I wasn't paying them. I asked for details of the outstanding debt and they told me to contact HFC bank. I contacted HFC who say they need more of my details i.e. my address in Bristol. I don't have this as only lived there for 6 months and don't remember!
I'm not sure what to do now and it's really stressed me out. I know I cleared the debt and am damned if I'm going to pay £233.88 to a company when they can't provide details of what it's for!
Can anyone advise me?
Thanks, Markyd
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Comments
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Either way the debt will be statue barred now as over 6 years old so tell them to go jump.
http://www.debtwatchdog.com/statute-barred-debt-england-and-wales-Article-215.html
Stop stressing.
"We act as though comfort and luxury are the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about” – Albert Einstein0 -
As above.
If you are particularly anal, like me, download the template letter, send it without a stamp (they will go to the PO to collect it just in case it is a cheque) and get them to waste even more money by replying to confirm that they can take no further action.0 -
Enfieldian wrote: »send it without a stamp
Like it!!!!I don't make mistakes! I make prophecies which immediately turn out to be wrong...............0 -
Enfieldian wrote: »As above.
If you are particularly anal, like me, download the template letter, send it without a stamp (they will go to the PO to collect it just in case it is a cheque) and get them to waste even more money by replying to confirm that they can take no further action.
:rotfl::T I
I think this should be made a standard practice on mse haha0 -
They're chancers, tell them to go get shafted."We want the finest wines available to humanity, we want them here, and we want them now!"0
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Thanks for your reply's. I think I like the "tell them to get shafted" advice the best.
I'm not stressed anymore, just angry....0
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