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Debt Agency Want Money From Old Bank Account.
Comments
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I have also checked my credit file again and there is nothing on my credit file from the bank this debt came from but there is from 2014 the debt collection agency who have bought this debt.:A If i was a rich girl....... :A0
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What does the letter from the DCA say ?
Does it say "we have bought your debt", or does it refer to "our client"?
I would still pursue the statute barred angle if I was you, despite what they may tell you, the onus is on them to prove its not statute barred, not on you to prove it is.
Ah, just seen your last post, they have bought the debt, therefore the account is defenatly closed.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thank you for answering!
I will be sending them a SB letter but will wait until they get back in touch with me.
Was just a bit concerned that they then sent me a letter asking to confirm my details.....:A If i was a rich girl....... :A0 -
Thank you for answering!
I will be sending them a SB letter but will wait until they get back in touch with me.
Was just a bit concerned that they then sent me a letter asking to confirm my details.....
You are under no obligation whatsoever to answer ANY of there questions, and I strongly advise you don't under any circumstances.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
sourcrates wrote: »You are under no obligation whatsoever to answer ANY of there questions, and I strongly advise you don't under any circumstances.
Thank you Sourcrates!
You've been amazing help and a credit to this site!:A If i was a rich girl....... :A0 -
Quick Update!
The debt collection agency now has my home number.... How I have no idea but they are ringing me and are now sat on my credit file adding a number of defaults to my credit file.
I held off sending a letter as I was waiting for them to contact me but I shall be sending a letter as stated above and hopefully all this mess will be sorted!
Thank you again for everyone's help!:A If i was a rich girl....... :A0 -
It seems that when you closed the account, it was in dispute. If you have any record of this it could be helpful.Quick Update!
The debt collection agency now has my home number.... How I have no idea but they are ringing me and are now sat on my credit file adding a number of defaults to my credit file.
I held off sending a letter as I was waiting for them to contact me but I shall be sending a letter as stated above and hopefully all this mess will be sorted!
Thank you again for everyone's help!
You have 2 hurdles which you can put in the way of the DCA- Statute Barred
- Disputed
I think you need to be arguing along the lines of 'defendant claims this debt would be statute barred. In the event of this claim failing defendant puts claimant to strict proof of the debt against any and all disputes'
But it needs a wiser head to check this out.0
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