Old Debts

tallyhoh

I have a friend who has been paying a debt management company for some years & is now talking to step change.


The debts are pre 2007.


Should she send a prove it letter first?

~Beanie~

Little point asking them to prove it if she's been paying them, surely by paying the debt she has acknowledged that she owes it.

[Deleted User]

the words 'stable door' and 'bolted' spring to mind

tallyhoh

Sorry, maybe I got a little confused there. Can they enforce the debts without the correct paperwork pre 2007?

sourcrates

tallyhoh wrote: »

Sorry, maybe I got a little confused there. Can they enforce the debts without the correct paperwork pre 2007?

CCA all accounts would be the way to go, (that's a request for a copy of the original agreement), without the correct paperwork, on pre-2007 debts, it would be beneficial to your friend !!

tallyhoh

sourcrates wrote: »

CCA all accounts would be the way to go, (that's a request for a copy of the original agreement), without the correct paperwork, on pre-2007 debts, it would be beneficial to your friend !!

Thank you so much, is there a standard letter to send or anything specific she should put in it?

sourcrates

tallyhoh wrote: »

Thank you so much, is there a standard letter to send or anything specific she should put in it?

(Your home address)
Date:

To:

Dear Sir/Madam

Account/Ref No:

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully



Your name.

There you go

tallyhoh

Thank you again, much appreciated.