5 Years After 'Settlement' - Debt Collectors?

Millz

DVardysShadow wrote: »

I think I speak on behalf of everyone who posted. I'm gutted. £2000? And presumably she did not send it with a letter disputing the claim and indicating she would claim it back?

That is £2000 which has made them bigger and bolder for next time. Expect more spurious claims where they try and stick even more outrageous alleged debts. As it was 5 years ago, the worst damage would be one year with the default on her record and a fair chance of overturning that because it would ....

.... why bother?

You and me both. She wouldn't even wait for the statement to come through (which should arrive today) to see where the charges have accumulated from. After receiving the default previously she's paranoid to not receive another one (even after telling her about how it must be applied within 3-6 months).

I've told her she now needs to write in explaining the reason for the payment and that it does not mean she accepts the debt. She made the payment over the phone to the debt collectors (something which I was also unhappy about, as they may not have been legit either!). I also want to see a letter in writing that states the outstanding balance has been settled and no further payments will need to be made now, or in the future.

I still can't believe she was daft enough to take out a loan from a company such as them in the first place.

nottoolate

DVardysShadow wrote: »

I think I speak on behalf of everyone who posted. I'm gutted. £2000? And presumably she did not send it with a letter disputing the claim and indicating she would claim it back?

exaclty. :eek:

if they had said £3,000 without evidence would she have paid the without question?

£4,000?

gutted is not the word

Millz

nottoolate wrote: »

exaclty. :eek:

if they had said £3,000 without evidence would she have paid the without question?

£4,000?

gutted is not the word

No idea to be honest. £2000 is still a fairly hefty sum of money.

SeduLOUs

This makes me so sad. It's people paying stupid amounts like this to stupid big companies who don't deserve a penny that give them the drive to keep pestering everyone else.

If they send out 500 random debt letters to people and just one of them forks up £2000 then they've won. If everybody knew their rights and stood up to all these idiots they'd stop sending everyone the letters.

So now your partner is £2000 out of pocket, which she will never see again in a million years, and Welcome Finance will start the next batch of imaginary debt letters.