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new debt collector after CCJ
tallyhoh
Posts: 2,318 Forumite
a friend had a CCJ for a debt in 2001. she didn't pay & it was never chased up. 4 years ago another debt collector sent her a letter requesting payment, they seem unaware of the CCJ and do not have a credit agreement. Unfortunately she made a payment, They are now threatening a home visit. The CCJ is out of date & they do not have a credit agreement. Can you advise what letter she should send? I have told her they rarely turn up but she's panicking. Thank you
Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!
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Comments
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Send a prove-it
See what comes back1 -
The likely scenario here, is the debt will have been sold on, long after all records of a CCJ were removed, so as you suspect, they may not be aware of it.
Is it Cabot and Orbit we are talking about here, they are quite busy buying up old debts at present.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 -
its Link financial, she been suffering with health problems & actually paid them £10 & made a F&F offer some years ago which they rejected so she just ignored them after. She made a request for credit agreement at the same time which they ignored.sourcrates said:The likely scenario here, is the debt will have been sold on, long after all records of a CCJ were removed, so as you suspect, they may not be aware of it.
Is it Cabot and Orbit we are talking about here, they are quite busy buying up old debts at present.Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!0 -
OK, see how they respond, if at all, there are a number of options with this.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
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She has now received a letter basically saying they will respond in 4 weeks. Thank you for your help so far.Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!2
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She has now received letter stating that as she paid between 2006 & 2024 she owes the balance. They still don't seem to know there was a court order years ago but admit they do not have a credit agreement from the original lender.
Any ideas how she should proceed with this one?
Thank you
Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!0 -
Whe did she last make a payment? And before then, was there a very large gap of non payment?
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I would call their bluff, go down the route of telling them you`re not paying as the debt is currently unenforceable due to not been able to provide a copy of the credit agreement, and see if they then mention the CCJ.
If they do, you`ll likely have to come up with another plan, if they don`t, then happy days.
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, I'll check
Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!0
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