help. debt. not mine. threats from westcott

crowmans4

and i asked ex wife about the iva details paperwork etc now a solicitors bullying me. she knows nothing or cant remember and has nothing....... funny that

happy_bunny_2

crowmans4 wrote: »

sorry when i say not mine. mint was my account opened from 2002. i really dont hink i used it past 2007/08. and there was maybe a small amoun ton it that i thought she put onto the IVA shes now stopped paying. im told as part of iva therefore the 6 year rule wont apply for statue barred. im screwed. surely mint should be able to provide me with signatures receipts wotever. theyve ignored my request now westcott are dealing with it wot do i do

For the mint one, use Fermi's link getting information about your credit agreement. That's the CCA request.

crowmans4

yea or i may even send the letter to both as far as i was concerned mint was a long time ago and i destroyed any cards i had as thought it was cleared. should i send direct to mint and mbna themselves or to this westcott outfit who are now sending solicitor threats

happy_bunny_2

Westcott, they should get the info as they are handling the account.

crowmans4

and for the one pound fee. can i just send a coin as ive no cheque book or do you use stamps or something as not meant to send cash in post ?
sorry just want to do this right and deal with it. il send recorded also

fermi

Postal order would be best.

crowmans4

ok will do thanks for all the help and advice. i am going to go onto your links and get the letters printed off. for the mint one i know about i found an old statement over the weekend at the old house as rest have been hid from me. its 2008 and its got 2k on it which was to be tranferred to iva so dont know how this is risen to 8k. i use the first link for this one.
and the mbna i dont know about the 2nd link ?
i found an old staement back to 2005 for a virgin credit card so unless its been tranferred to mbna?
going to print them off now and post tomorrow .

fermi

If I remember correctly, then a lot (or all) of the Virgin credit cards were actually issued by MBNA?

crowmans4

ok so should i sent the letter on link one to both then maybe. the one were you pay a quid.
or should i send the second letter. ive confused myself now......
and even stranger while back i tried for ppi hence the experian check were i first found these. and ive letters back from mint and mbna to say they have no history of these accounts ????

crowmans4

do you think i should send both letters
i.e the prove it letter first
then if no joy
the one were i ask for copies and pay the quid ?