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Help! Letter to send to creditor?
pennypitstop_2
Posts: 265 Forumite
Hi all
Just a quickie, this one! A few months ago, my friend got a letter from Thames Credit about a debt he didn't know anything about, from 1992. Yes, I assume this company were just trying to get lucky and we've since found out how dodgy they are.
Anyway, I founmd a letter on this site, or a link to one, which quoted all the official stuff, asked for a copy of the original agreement, etc etc and had some logos for financial helplines or something on the bottom. Now, I cannot seem to find it. Aarrgh, but all Thames Credit have done is pass the supposed debt on to another company (Buchanan Clark + Wells, who have added on extra charges, yes it gets better, eh?!) so I could really do with some help... where oh where has the letter gone?!
A link to the letter from someone would be fantastic and very much appreciated
Cheers
Penny
Just a quickie, this one! A few months ago, my friend got a letter from Thames Credit about a debt he didn't know anything about, from 1992. Yes, I assume this company were just trying to get lucky and we've since found out how dodgy they are.
Anyway, I founmd a letter on this site, or a link to one, which quoted all the official stuff, asked for a copy of the original agreement, etc etc and had some logos for financial helplines or something on the bottom. Now, I cannot seem to find it. Aarrgh, but all Thames Credit have done is pass the supposed debt on to another company (Buchanan Clark + Wells, who have added on extra charges, yes it gets better, eh?!) so I could really do with some help... where oh where has the letter gone?!
A link to the letter from someone would be fantastic and very much appreciated
Cheers
Penny
Homer: I want to share something with you, Bart: The three little sentences that will get you through life. Number 1: Cover for me. Number 2: Oh, good idea, Boss! Number 3: It was like that when I got here. 
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Comments
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Penny
It seems likely that you sent the wrong letter.
If the original debt was from 1992, it is quite possible that your friend has not paid or acknowledged the debt in writing for a period of 6 years or more? I am assuming that your CCA letter started "I do not acknowledge any debt to your company"?
If so the debt is statute barred, whether or not the DCa has a CCA. This means that the debt remains but that once the friend tells them he is not paying, then it becomes unenforceable.If you've have not made a mistake, you've made nothing0
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