Letter from debt collector for unknown balance

cmhbyandco

Hi,

My partner received a letter yesterday from a debt collecting agency saying he owed money £376 on a Kwik-fit card. The debt was for 1997. My partner has never had a kwik-fit card and is totally shocked by this.

According to the company, the original address was his address when he was with his ex-wife & she gave them his new address. She doesnt drive or own a car so she would never use a card like this.

The debt company suggest he contacts their head office asking about this debt. We are both concerned about this as we are looking to take a joint mortgage soon & we do not want this on his credit rating. Saying that though, he recently checked his credit with Experian & this was not on his record.

Any advice on what to do would be a great help

Thanks in anticipation

looby75

I really wouldn't worry too much about this it's easily sorted, there is a letter which you can write that basically tells the debt collection agency that it's nothing to do with you and bog off! I'm sure someone will be along to post it soon for you.

Just out of curiosity which company is it that sent you the letter?

nrsql

DCA's buy old debt very cheaply then try to make any profit out of this they can. This means finding anyone who might be the debtor and then threatening them in the hope they will pay (note it doesn't really matter to the DCA who incurred the original deby or whether it is enforcable).

They know full well that if you have had no contact for 6 years and do not admit to the debt that they cannot enforce it (but they can request info) whether or not the debt was yours.

Up to you whether you ignore it or call them. Make sure you always deny the debt. Ask for proof that it's yours but do not ask for a statement as that might be considered an admission.

They will also say it can take months for them to process correspondence so make sure you say you don't accept verbal communication so they can't get away with it.

cmhbyandco

looby75 wrote:

I really wouldn't worry too much about this it's easily sorted, there is a letter which you can write that basically tells the debt collection agency that it's nothing to do with you and bog off! I'm sure someone will be along to post it soon for you.

Just out of curiosity which company is it that sent you the letter?

The Company is Debt Managers Ltd.

Have you heard of them??

nrsql

Near the top right of the page is a "search this forum".
Put in "Debt Managers Ltd" and you will find a number of threads about them.

immoral_angeluk

Sound like chancers to me. If it's not on your credit report then send them a letter stating that you k now nothing of any debt and do not acknowledge any debt to them. Something along these sorts of lines.

I do not acknowledge ANY debt to your company or your client. I require you to supply the following documentation before I will correspond further on this matter.

You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within Consumer Credit Act 1974 (s.77-79) - your obligation also extends to providing a statement of account.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

I require a response within 12 days

cmhbyandco

Thanks for all of the replies,

Letter is being written to 'Debt Managers Ltd' as I write

plumduff-2

Even if he did owe it - it would probably be covered by the limitations act anway if he has made no payments...