Ready, steady… save!
You don’t need a chart to join in. Here are 2 ways to record your savings:
1. Cross it off
Pop a chart into your first post. Saved an amount? Cross it out! Read more »
£0.01 £0.02 £0.03
2. Write it down
Skip the chart and add updates to your first post. Read more »
“Another +£3 saved today. Go me!”
Use +£ before each new saving so it counts towards your total.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Advice on old/current debt. Out the blue.
Comments
-
Good - but keep that email!
2 -
Excellent news, but I too would strongly recommend you keep that email safe.
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-letter2 -
Well not so fast. One of the 2 debts was recently purchased by MFDP even at this late stage. I sent the statute barred letter to them last payment November 2018 etc and they have just replied with this. Time for the ombudsman ? Anyone have a standard follow up to this. Oh and btw, i checked my bank statements for the period, no payment of mine left my account. This is total fabrication.
0 -
Its not uncommon for phantom payments to be found like this, but any payment must be made by the debtor or their agent, so if a payment was made, but not by you, then that does not count,
You should first contest the payment and ask for proof it was actually made and by who.
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 -
is it for me to prove a debt is statute barred or MFDP to prove it isn't ?
0 -
They have to prove its not statute barred, you do not have to prove anything.
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 -
Do you have your bank statements from 2021? Does that payment show in May? If not, I would reply attaching your bank statement for that month and saying you never made that payment.
1 -
I am wondering if in a round about sort of way they are trying to get me to confirm my address. So far i have corresponded with them via email after receiving an email and text message. This will confirm my address
0 -
These companies do tend to get quite creative and push things as close to being illegal as they can, I've seen it all with my dealings with some of them. Notice how they say a payment was made but don't actually say it was by you, and then try and shift the onus to you when it's down to them to prove it's not statute barred.
I'd ask them for proof that the payment was actually made as Sourcrates says, and wouldn't divulge any information to them.
1 -
It is better for them to have your address. Or they may go for a CCJ at your last address they have, and you never get the court form to challenge as being statute barre so you end up with a CCJ.
You do not think you paid this. You have bank statement showing no payment was made.0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.9K Banking & Borrowing
- 255K Reduce Debt & Boost Income
- 456.2K Spending & Discounts
- 248.4K Work, Benefits & Business
- 606.1K Mortgages, Homes & Bills
- 179.1K Life & Family
- 264K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards