Know nothing about this "Apparent Debt"

Kels

on the phone as we speak to cancel payment.

Thanks so much! will be sure to send the letter asap

CLAPTON

ps...send the letter by recorded delivery.

Kels

The payment hasn't actually gone through so I've barred the payment anyway, I'll send them the letter asap hopefully it will resolve the issue

Nuclear_Tom

I can't add anything posititive, but good luck with this!

Kels

Thanks so much for this guys,

Just one question though, this thinig about the 6 years, does it apply to when they last made contact i.e when the debt was supposed to have activated or when the account was closed.

When I spoke to the agency about it she said because the account wasn't closed until 2002 the year period is from then, or is she feeding me rubbish?:rolleyes:

Nuclear_Tom

I'll stab a guess at 6 years from their last contact about the debt.

rog2

Kels wrote:

Thanks so much for this guys,

Just one question though, this thinig about the 6 years, does it apply to when they last made contact i.e when the debt was supposed to have activated or when the account was closed.

When I spoke to the agency about it she said because the account wasn't closed until 2002 the year period is from then, or is she feeding me rubbish?:rolleyes:

Last written contact or payment. :beer:

The DCA was incorrect - although what else would one expect her to say :rolleyes: her primary interest is, after all, Littlewoods and the commission/profit that her company is likely to make out of the fact that you were unaware of your rights. :mad: :mad:

cathybird

Kels wrote:

She said because I had no proof that it wasn't me I have to pay it.

\

As far as I can see it should be the other way around - they have to prove it was you, or you DON'T have to pay it. If it's the way she reckons then effectively they can ring up random people and say "you owe us £6000 and if you can't prove this debt isn't yours you have to pay us!!" Er, no, I don't think so. They have to provide you proof of when you incurred the debt and that you haven't paid it off, ie a series of statements. If they can't do that don't give them anything, particularly since you are absolutely sure you paid everything off.

cathybird

Kels wrote:

because it's such a long period they can't provide any information, not even what the debt is for

Rubbish!!!! She's telling you nonsense. If they can't provide written information about what the debt is for and when it was incurred, etc, tell them to clear off!! Legal action my foot. If it went to court they'd have to provide that information!! Of course they've got access to that information - if it exists in the first place

Storm

Outraged on your behalf here! They have to prove the debt is yours, and they're just using bullying tactics here to try and scare you.

Make sure any correspondence with them is in writing, and you send things by recorded delivery. Have you got any old statements from Littlewoods showing the zero balance?