Wonder if anyone can help?

I've been using a management company for years, Gregory Pennington,

and they sort out my creditors etc, les me sleep at night although the debts take forever to go.

Ive just received a rather aggresive letter from Arden Credit Management for a debt balance of £19, 732.45.

I have no idea who they are, I suspect they have bought the loan from Lombard (purely because of the amount owed) who have been getting payment from GP.

Not heard from Lombard to say they were passing the debt on.

Can I tell them to sod off or do I have to keep paying?

The debt is way over 6 year old but I understand that as I have been paying,

the 6 years hasn't actually started?

is that right?

any comments gratefully recieved - even if it is to tell me that I was a daft mare to get a Lombard loan to start with!

If this debt is part of your managed accounts, then I would pass it to Gregory Pennington, after all, they are taking a percentage I assume.

Have you ever checked by CCA any of your accounts, and, have you checked exactly how much of your money is actually being sent to pay each debt?

I haven't checked the older debt with CCA, buried my head a bit when the debts got out of control

I will pass this on to GP but its odd that the company hasn't said where the debt has come from. As I said, I presume its Lombard purely due the amount, but not absolutely sure

Then I would send the 'prove it' letter in response:

Dear Sir or Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

I/we look forward to your reply.

Yours faithfully

I will do that

thankyou

I have also received a very blunt letter from Arden with regard to an outstanding debt with Lombard incured during a divorce

stating that 'the present situation of non payment is unsatisfactory' even though they cashed a payment last week.

The previouse company with whom I delt did not know that they had lost the account.

The agreement was reached via a CCJ.

This outfit seem to be a bunch of clowns and chancers!!

were you paying the lombard account via a CCJ or did Arden get the CCJ?

The CCJ was obtained by Geoffrey Parker Bourne on behalf of Lombard on the 9th October 2001. Th judgment was for £25.00p per month to be paid to the above. Not one payment has been missed or late.

If the payment was set by the Court, then Arden do not have any authority to vary either the amount or to whom it is paid. To change it they would need to go to Court and seek a variation - they'd need good reason for doing so and it would cost them.

The best course of action in these circumstances is to send a short letter to Arden:

Dear Sirs

 

I refer to your letter dated xxxx, the content of which is noted.

 

Since Judgment in this matter was granted, I have maintained payment in accordance with the orders of the Court and will continue to do so unless the Court orders differently.

 

Yours etc.