advice needed

john1964golf

help just recived letter from dc saying i owe £115 .The debt is from my old address that I moved from in 2001.The debt is not mine and was taken out in 2002.Rang dc and told them this they said they would look in to it .Still worried though

lauradora

Don't worry, just make sure you keep on the phone to them because it won't be long before the next 'automated' letter comes through the door.

RAS

John

I would recomened that you write to this DCa and tell them what you said on the phone and demand that they remove all reference to you from their systems under the Data protection Act. It is also against OFT Guidelines to pursue debt from someone who does not owe it.

Unfortunately, there are some DCAs who find that difficult. If you have any further trouble come back here. Depending on the situation it might need a CCA letter or one indicating that the debt is statute barred.

If they

vandanfc

Have you anything that could prove that you were not living at that address at the time the debt was created ? It might be useful to look something out as evidence if required.

compulsivespender79

When in 2002 was the debt from? Don't forget, after 6 years if you have not acknowledged the debt or paid anything towards it (yours or not), it will be Statute Barred anyway. Someone else will be able to confirm and clarify that though!

Good luck,


CS x

john1964golf

thankyou for all replies first time ive used this,surprised anyone answered me.They told me the debt was for 2004,rang provident who debt was for they said it was from 2002 couldnt say what date only week 16.:j

RAS

it is 6 years in England and Wales and 5 years in Scotland. Some DCAs have a habit of buyng debt that is just out of date or will go out of date in the next few months. They do not pay much for it and will try just about every avenue to get you to pay up before the deadline and some are not too bothered whether you actaully owe it or someone else.

RAS

When did you leave th house and did you have a debt with provident?

john1964golf

left house in summer 2001,never had debt with anyone

RAS

So, irrespective of whether this debt is statute barred (and almost anything you had prior to summer 2001 is statute barred), a simple CCA letter would prove that you did not owe anything. If it happens, come back and we can post it up.

john1964golf

what is cca,and has the 6 years ran out or would that depend on month it was issued