|
|
| The independent answer to your debt problems | login join |
|
slinky
| 19-12-2011 11:25 AM |
|
Joined: 19 Dec 2011 Posts: 1 | Hi I've had a number of letters from a company saying I owe X-amount, the debt has been passed on and an extra £200 has been added on my guess is to pay the debt agency, my argument is the wrong name is on the letters both from the original company and the debt agency, also the wrong amount am I still liable for this debt. |
| DW George | 29-12-2011 03:45 PM |
|
Joined: 01 May 2007 Posts: 1037 My Profile | It is the job of your creditor to prove, in a court, that you owe the money. If the debt is contested they they'll have to provide proof that you owe them money and this can only be be done using your original credit agreement. If that has a different name from you then their court action will fail. However, it may be just a typo by the letter writer. The only way to check that is to request a copy of the original credit agreement. If what they produce is wrong then they won't be able to enforce the debt in a court. Follow my guide on Statute Barred Debt to see obtain copies of the original agreement. |
|
bettychick1
| 10-01-2012 07:30 PM |
|
Joined: 10 Jan 2012 Posts: 1 | Hi i have a question, not sure if im doing it right as im a forum virgin!!! i owed wfsl £5000 but £2000 of it was a ppi i was miss sold, i went into an IVA and a year later our creditors accepted a full and final settlement. then in nov 2011 the fscs wrote to me telling me i had a clam for miss sold PPI and then they rote to me telling me, that the composation i would have recived £1800 has gone to clear my out standing debt with wfsl who i took the loan out with. my question is, if a creditor has accepted full and final settlement, can they then use my composation to pay off more of my debt off if the debt has been written of in accordance with IVA laws. hope you can help. kez |
