Received statement from creditor.

2004arron

Good evening.

I’ve disputed a debt that I have from 2009 that lowell are now trying to collect.

I’ve been awaiting a statement from the original creditor. It arrived today and I’m sceptical that a company (provident) can be so lapse with the statement.

The statement is from 2009 to 2013. The statement looks like a someone with basic IT skill has put it together. E.g there’s no company details like a logo. Also the transaction dates are jumping randomly and in no order.

I’m sceptical as the amounts collected (apparently from an agent) range from 50p a week to £1 then a £3.49 payment.

How can I beat go about disputing the statement?

Can I ask for addresses attended?

Can I contact the original creditor?

Thanks

Shakin_Steve

‘I’ve disputed a debt that I have’. What are you disputing, if you say it’s your debt?
‘Amounts collected apparently from an agent’. Did the agent collect from you or not?

2004arron

I’ve got no recollection of the debt let alone someone knocking on my door for £1 payments

IAmWales

2004arron wrote: »

I’ve got no recollection of the debt let alone someone knocking on my door for £1 payments

Have you never had a doorstep loan, or is it more that you cannot remember this one in particular?

I wouldn't expect a computer printout to have a company heading on it. There's nothing sceptical or lax about that.

Shakin_Steve

2004arron wrote: »

I’ve got no recollection of the debt let alone someone knocking on my door for £1 payments

Then the first thing you need from them is the address that the loan was registered at. Agents collecting from you had no more than a book to write the details in, but should have reconciled their collections on a sheet when they tallied up, took their commission and handed the sheet and takings into the office.
There must have been a record of your name, address and loan amount if nothing else.

If they come back with an address that you have previously lived at, I’d say it’s your debt, so they’ll say it’s your debt.:)

2004arron

I’m still awaiting conformation of my prove it letter.

I’ve received this statement allegedly from the creditor saying that I gave the agent £1 every week he/she called.

This is nonsense.

The statement indicates

1x 50p
96x £1
13x £2
5x £3
1x£3.01
1x £3.49
6x £4
3x £5
1x £6
1 x£7.50
1 x £12
1 x £ 17.50

Do these payments are and were not made by me.

Shakin_Steve

Well...The agent took your (or somebody’s) payment and wrote it in their little book, a most unsatisfactory way of doing business. Mistakes (a nice way of putting it) could well happen.

fatbelly

You've got the statement

Have they sent a copy of the original agreement with your signature on it?

The former just 'proves' someone has been making payments to it. It is the latter that proves it's your debt.

2004arron

So something has been brought to light. Another letter came through the post today (my partner has informed me)
It seems to be the credit agreement.

Good news is that it’s not my signature
Bad news is that it’s at my parents old house in 2009.

The debt was from sept 09 to Aug 13, I didn’t live there at that time.

What’s the next step?

Sarastro

Write to the debt collection agency and tell them it's not your signature and you weren't living there at that time.

Shakin_Steve

Can you make out the signature?