help, debt repaid but still getting letters from recovery agent

anna42hmr

Hello, I am wondering if you can help / provide advice for my brother. He ended up in some financial difficulties following a car accident which meant he was unable to work (self employed) for a while several years ago. As a result he got into some financial difficulties which were finally sorted in 2012 (or so we thought!).

The debt was for a credit card at Lloyds TSB, who passed the debt to a company called 1st Credit. A full and final settlement figure was agreed with 1St Credit in May 2012 (we have a letter from them confirming this).

However, in August/September 2012 for some reason Lloyds sold the debt on again to a company called Apex. Both Apex and Lloyds confirmed that it should not have been sent to them, and we have complaint responses from both companies in September and October 2012 confirming this. The letters also advise that the debt is closed off and Apex were sending it back to Lloyds.

We thought everything was fine as no further contact however fast forward two years and we have now received a debt from a company called Cabot Financial (dated 3 November 2014) claiming that the debt has now been sold on to them.

It is clearly the same debt, as all of them quote the same amount right to the penny as well as his original lloyds credit card number.

We are clearly very unhappy with this as he is looking to rent a property soon and we are worried that this could affect his credit etc further.

In addition to this, Cabot Financial's letter states that the original lender is "Prime Credit 1 s.a.r.l" which is not the case and we have not had any dealings with them (as was lloyds, 1st Credit and Apex) so we are at a loss with who to go to - Lloyds, Appex, 1st Credit etc.

Does any one know if there are any links between these companies (i.e. is this Prime Credit 1 s.a.r.l linked to Apex/1st Credit etc).

fermi

Another debt purchaser by the looks of it, and not the original creditor.

I would repeat what you did before. Complain, and tell them you will take this to the FOS if they don't stop chasing this already settled debt. And that you will also take them and Lloyds to the FOS should it be sold on again.

anna42hmr

Thanks for the reply, I appreciate it. Will get him to raise another complaint tomorrow.

sourcrates

Hi,
Its up to these idiots to sort this mess out, not you.
Reply to whoever has written to you, stating what you have told us, and provide a copy of the proof.


If they don't sort themselves out, take them to the FOS, as Fermi suggested.

anna42hmr

sourcrates wrote: »

Hi,
Its up to these idiots to sort this mess out, not you.
Reply to whoever has written to you, stating what you have told us, and provide a copy of the proof.


If they don't sort themselves out, take them to the FOS, as Fermi suggested.

Thanks for the responses everyone, we have sent proof to the new debt agency of the above as well as contacted lloyds who are going to reopen the complaint. Fingers crossed it will all get sorted.