Quote:
Originally Posted by otherlisa32 i have been paying five pounds a month to a company called ft and c keppe partners but i have lost all my paperwork and cant remember who i originally owe money to i still have the standing order set up , i have moved since i set this up and if i write to them i really dont want to be giving out my new address but i would like to know why i am paying this money and how much left to pay
any advice |
Keep all communications in writing only
send them the CCA request letter (Letter N) from the templates library, do not sign anything and include a £1 postal order to cover the statutory fee) send it recorded (registered is better. Retain copies of all correspondence and proofs of posting
if they do not furnish you with a true copy of the agreement within 12 working days +2 days for service, the account is in dispute and you can legally withold payments
if the default continues for a further 30 calendar days, the debt is deemed unenforceable in law and the creditor would need to take you before a judge to enforce it (assuming they have found the CCA by now)
Take it one step at a time and ask them to prove that the debt is legal and they have a right to collect on it.
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