write off

abertawe1

i need a little help last year my husband lost his job and was taken ill after an heart attack and we were left with a lot of debt.the citizens advice sorted all my creditors for me and i am now paying token payments to all of them except one which the cab said they were going for a write off because i did not sign an agreement with the now all of a sudden they have started to chase me for the money any advice would be much appreciated.:mad:

Tixy

What sort of debt was it?
Did the creditor ever confirm that the debt was written off? or did CAB just advise you not to pay it because you hadn't signed the agreement?

jonjamie1970

You need to search for the prove it template letter and write to this company and say "provide me with the info you have on me and the orignal paperwork", however if they can prove they paid the money into your account then your on a downer, did you send the money back to them or did you spend it, if you spent it then you were aware they had paid you the loan / finance. If you knowingly took the money then its only fair you pay it back.

abertawe1

sorry for the lack of info,the debt was to simply be catalogue i never actualy had any confirmation of the debt been written off there was just no contact then they just started sending letters saying they were going to send someone to my house to collect the money if i didnt pay.:mad:

Tixy

Is this a debt collector writing to you? or the original creditor?

First off try the prove it letter (sending recorded is best) - http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2

And see what they reply with - if they provide proof of the debt you could then try a CCA request (this asks for a copy of the consumer credit agreement - it may be CAB has already got you to send one of these but if you are not sure then you could send again).

At the moment, don't call them, don't pay them and in the unlikely chance anyone comes to your door simply ask them to leave - or you could send this letter to stop any chance of them visiting - http://forums.moneysavingexpert.com/showpost.php?p=23635529&postcount=59