Hi,

 

I wonder if someone could give me some advice please.

 

My wife received a letter from Fredpay and another from Bryan Carter, They claim she owes £115 to a company called Phoenix recoveries (ref debt with Littlewoods). The debt dates back to 2002.

 

She has no record of the debt so we ignored the letters.

 

We now have a summons from Northampton County court, What should we do now?

 

Can someone help?

 

Thanks in advance

 

Mike

Hi stop before you write to them .

Check out your rights, there is an 8 year law which says that a debt is no longer enforcable. so after 8 years they can send you as many letters as they like you dont ahve any legal reason to pay them as long as you have 'NOT' written to them acknowledging the debt within this period, that include offering a low payment.

Hope this helps. and

PS they cannot tell you how much you should be paying if you have to pay this you can offer £1 per month and they have to accept it.

Check Your Rights.

Tom