Wee Problem

martin84

Got a letter into my mothers address the other day from a company claiming on behalf of Clydesdale bank. This letter claims I owe them £180 which I didnt know I owed. I had an overdraft of £100 when I was younger so dont know how this balance could of got so high. I called Said bank and they said they dont have my account details anymore and I will have to contact the collections agency. So Will I have to pay the full balance as it must just be charge after charge. And can the charges be written off if there with a collections agency ?

angelavdavis

Is it likely that this debt is over 6 years old? If so, it is likely statute barred. This means that, provided you haven't had contact or acknowledged any debt in the past, you are not obliged to pay it.

They can still chase you, but they legally can't make you pay it.

Here is a letter you can send to them (if you wish, although most people ignore them as they generally give up) http://www.nationaldebtline.co.uk/england_wales/temp/7880_63661.pdf

rog2

If, as I believe from the OP's accent, he/she lives in Scotland, then it is only five years. If this is the case then the OP should use the following template letter:

http://www.nationaldebtline.co.uk/scotland/temp/4029_31161.pdf

Of course, if martin is in England or Wales then he should use the link that angela has provided.

Who is the Collection Agency? Perhaps we know them and can give more specific advice.

angelavdavis

Good point Rog - missed that one! Then the link I gave is indeed incorrect as its for England/Wales.