Contacted by creditor after we thought full payment was made

sing2trees83

Hi,
We had a DMP with CCCS/StepChange and last year we received a small amount of money and used it to pay off the debts. We contacted everyone to check the amount due and then made the payments. One of them was a bank loan which was through a debt management company. I have an email from them confirming that "the account is now paid in full".
Today we have received a letter in the post from the bank saying that the account is still in arrears with around £600 to pay.

Can the bank do this, seeing I have written confirmation that the account has been paid in full?

Thanks in advance for your advice!

Tixy

Do you mean you have a letter from a debt collection agency to say the account was fully paid?

If so I would start by writing back to the bank and enclosing a copy of that letter. If you also have a letter that states your offer was going to be accepted in full & final settlement of the outstanding debt then I'd include a copy of that as well.

If it is not more than 6years since you defaulted I would also check your credit files to see if this debt shows on it and in whose name and if it shows as no balance outstanding.

sing2trees83

Hi,
Most of it was done over the phone (I have date, time and name of the person I spoke with) and then I asked for confirmation that the account had been paid. The amount we paid was the full outstanding amount - we didn't make an offer of part payment.
The email is from the debt collection agency who were handling the payments for the bank!

Tixy

Ah I see.

In which case I would write back to say the account was fully paid and you believe there is no balance outstanding and include a copy of the email.