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Credit Protection Association Limited
Shelle
Posts: 361 Forumite
Not sure if I am posting in the correct board so I apologise in advance if I am.
My Dad received a letter today from the Credit Protection Association Limited bringing to our attention of a debt unpaid. No details of when the debt was from, just the name of the company and the amount. My Dad has dementia now and so I took a look at his account online (I have POA finance for both parents registered with the bank) as I knew that both parents always pay their bills promptly and I could not imagine they would not have paid it. Also, there has been no correspondence from the company chasing up the debt. I found the amount HAD been paid online back in 2020 (I actually remember this as their boiler broke down a week into lockdown and I helped them make the payment on their online banking).
Before I contact the company I just want to clarify some things. Taking the fact the bill was paid at the time, firstly would it be acceptable (or even legal?) to transfer a debt from over 4 years ago to the CPA without making any attempts at all to recover it themselves? Secondly, will this situation now be on their credit score? Once I contact the company and prove this was paid (via bank statement which shows their name and amount), if this does show up on their credit score can I insist on them making the arrangements to reverse the entry and also prove this has been done? I do find it appalling that the company has claimed the non payment of a bill from 4 years ago without any contact whatsoever. is this normal?
Anything else I need to know before I contact the company (not the CPA)?
My Dad received a letter today from the Credit Protection Association Limited bringing to our attention of a debt unpaid. No details of when the debt was from, just the name of the company and the amount. My Dad has dementia now and so I took a look at his account online (I have POA finance for both parents registered with the bank) as I knew that both parents always pay their bills promptly and I could not imagine they would not have paid it. Also, there has been no correspondence from the company chasing up the debt. I found the amount HAD been paid online back in 2020 (I actually remember this as their boiler broke down a week into lockdown and I helped them make the payment on their online banking).
Before I contact the company I just want to clarify some things. Taking the fact the bill was paid at the time, firstly would it be acceptable (or even legal?) to transfer a debt from over 4 years ago to the CPA without making any attempts at all to recover it themselves? Secondly, will this situation now be on their credit score? Once I contact the company and prove this was paid (via bank statement which shows their name and amount), if this does show up on their credit score can I insist on them making the arrangements to reverse the entry and also prove this has been done? I do find it appalling that the company has claimed the non payment of a bill from 4 years ago without any contact whatsoever. is this normal?
Anything else I need to know before I contact the company (not the CPA)?
0
Comments
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C.P.A.L are just a fancy debt collector, nothing more than that.
How much is the debt for?
Don`t ring them, send a letter, enclose the proof necessary to show the debt was paid.
If you ring them, they will try to get you to pay the debt, they won`t be interested in your dispute.
Only credit debts appear on credit files, companies have 6 years to enforce agreements through the courts.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-letter1 -
Thank you, have sent a letter out to them so hopefully will be the end of it.0
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