Just tried to look at his CRA file but i don't know his password and he's in work, will get the details as soon as possible. Huge thanks to everyone who has helped

Hi, the issue date is 21st Feb, but stamped across the front is 'Date of Service - 02 March 2012', we actually received it on March 3rd. Is there a timescale in which they have to serve it after it's been issued? 10 days doesn't really give us as much time, surely? I've typed up and printed off the letter as advised below, so the court should extend the time period to allow us to request more information? We have not sent anything to them yet, As it didn't show up on his CRA file and they were offering discounts, we just ignored it.

sorry i didnt know how to merge.. many thanks

Yes it was all in his name. Just reading back on my original post... Surely HFC should have issued a DN back in 2007? How can they sell a debt on to TBI as without a DN, surely there's no legal debt? And they didn't send a notice of assignment until 4 years after they'd bought the debt? Checked his CRA and it's clear...

I bumped as MandM suggested getting further advice and informed me that the weekends were quiet on the boards... I have got the paperwork ready to do a SAR but wondered also about the timings of the default notices and notice of assignment being allegedly sent.. they allege the last payment was made in 2006 yet didn't issue a DN until 2011? Just wanted to know if there was a certain timeframe for these to be sent?

My partner has been getting letters from TBI Financial recently over a debt that they purchased from HFC. It was to do with his ex-wife, the original loan was signed for on 12/05/05 and it was a consolidation loan, total amount £27,368.88. He lost pretty much everything in the divorce which was early 2006 and doesn't really remember what happened with this loan, but has had no contact with them since that time. His profile on CreditExpert is clear, all his addresses are up-to-date etc so he hasn't been 'hiding'. The letter we received today states that a claim has been filed in West London County Court, the claimant expects to reclaim more that £15,000 and with costs, the total amount due is £28,818.12. In the particulars of the claim, the key points are - Loan agreement signed on 12 May 2005. HFC assigned debt to TBI on 22 Nov 2007, notice assigned to defendant on 11 July 2011. Last payment received against the debt was 30 August 2006 for £8.16 (there is no proof of this given) Default Notice issued on 15 Sept 2011 demanding payment within 14 days Claimant claims the sum of £27,504 plus interest of £818.72 for the period 1st October 2011 to 13 February 2012 We need to reply with the forms saying whether he agrees to the debt, needs more time to pay or is filing a defence or counterclaim. My query is mainly the timescales involved, surely a default notice has to be issued sooner? If a Default notice was issued back in 2005/6, can they issue another one now? For the record, i don't think we have actually had a DN from them, just the usual letters and a few phone calls at my partners' place of work, but i'll need to double check. There are several 'searches' recorded on CreditExpert by TBI over the last few years and all the addresses shown are correct so they could have contacted us a lot sooner? The letters we've been receiving are all of the type 'call now for a 50% discount off your debts if you pay now' type of letter, and as there is nothing on his credit report, we ignored them. Any advice is very gratefully received!

Thank you for your help dx.. so basically the solicitors' letter threatening to go via his employers for an attachment of earnings is just a load of hot air? I found it strange that there's such a big gap between the original loan and the default notice being issued, can they re-issue one after a set period of time or is it a case of, once it's gone - it's gone? Sorry if it's a daft question but i've never dealt with this before!

the name on the credit agreement is HFC bank Limited... Just trying to convert docs now

just looked and the date on the default notice they've sent is 15 Sept 2011.... surely this would have shown up on his credit report?

My partner has been receiving demands for an old debt - I have posted the basics here. They have telephoned him at work several times and write at least once a week. It was taken out while he was still married and his ex did all the paperwork for the divorce - he wasn't in a good place at that time so I suspect he just let her get on with it. We've been together over 4 years and this is the first communication he has had - we've checked his credit file as we're trying to save for a mortgage and the only thing showing is from Santander, an account wasn't closed properly and is being dealt with. I've uploaded their copy of a credit agreement, their version of a default notice and todays' letter from a solicitor. He hasnt had any communication with this company before and was divorced in 2005 so any agreement would have been before that - he's never had any credit of any sort since as he hasn't applied for any. Any advice over our next move would be greatly appreciated, thank you. credit.rtf debt3(1).pdf debt1(1).pdf debt2.pdf

thanks t_k, we suspect that the ex has something to do with it but she declared herself bankrupt a year after the split (loads of cc and cat debts) so we're thinking they might just be trying their luck.. . the other scenario is that she 'falsified' the application (one of many), but nothing we could prove. Also forgot to say that they have sent out what looks like a default notice dated a few days ago? Are DCA's allowed to do this? I thought only the original creditor could do this and since it's not showing up on his credit report, it can't be valid? I say 'looks like' a default notice as it looks like a photocopy, there's no reference numbers on it and there's just something about it which seems 'off'.....

Following on from my post a few days ago, my partner is being chased for a debt which he has no recollection of, the company writing to him are TBI Financial and the amount is £27,504. We have checked his credit ref files and the only thing on there is a debt of £125 which was due to an old bank account not being closed properly and it is being sorted. There are no defaults, no CCJ's, no agreements at all and they have all his addresses dating back 20 years. We think it is from during his previous marriage which ended in 2005, there has been no contact from this company before. They called his work twice last week and were told to 'bugger off' (it's a fire station so no personal calls allowed) but we've had a letter from them today referring to 'our aforementioned telephone conversation' and asking for a breakdown of income and expenditure. He suspects that the ex-wife had a small loan (around £6000) and it's from this? Do we have to give them any info? Am I correct in thinking that if it doesn't show on his credit report (we checked experian and callcredit) we dont have to pay? Not that we could anyway! They are going to keep writing so is there anything we can send them to put a stop to this?

just gone online with creditexpert and its all clear, the only stuff showing up was from 2004 when he was still with the ex-demon, it's a store card with Lowell which states "defaulted" but "satisfied", all the addresses and electoral roll stuff is up to date as well... should i write to them?

Thanks dx, sorry to sound dim but is CRA people like Equifax etc? He has no CCJ's or defaults, yet stapled to the back of one of the letters was a default notice with a Credit Agreement number and a warning that we will be chased for the full amount... Just seems strange that it's been so long before they mention County Court? It's clearly an old debt, i thought that if a debt was defaulted on, a CCJ would be pretty soon after! I agree about not speaking to them over the phone but as they rang the main station office, he was caught a bit by surprise, it's not like he's avoided any calls! He just asked them to put stuff in writing which was a bit tricky as the station manager was in the office with him. He's had the same mobile number since I've known him and he's only been at this station for 2 years so we don't know how they got hold of the number... again, the ex-wife springs to mind, but we've no proof

Hi everyone, I'm new to the site and would really appreciate some help and advice please? My partner and I have been together for 5 years, he divorced his wife 7 years ago (v. acrimonius) and we have lived at this address for 4 years. We started receiving letters addressed to him from TBI Financial last week, regarding a credit agreement he has no recollection of. His ex-wife was a bit of a catalogue junkie and he was still paying off her bills up to the divorce when she claimed bankruptcy, he paid about £2000 off and they signed a clean break order. He just assumed it was to do with her and put it to one side to forward on to her. Until today when he received a phone call at work from these people (he is a fireman so isn't allowed personal calls at work) with some guy threatening all sorts of action for ignoring their letters, and told him that the original debt was for "around 6 grand". He explained he was at work (turns out they'd tried yesterday but they were out at a fire) and told the guy to put stuff in writing, but told him we knew nothing about it. he called me to open these letters, and for a "6 grand loan" we are being chased for .... £27,504.40. They are demanding payment in full within 28 days and have enclosed a default notice with a credit agreement number, nothing to say who the original debt was with, or when it was taken out. They are threatening County Court proceedings for recovery of the full amount which, surprisingly, we dont have! If it was his ex-wife, it would have been from over 7 years ago, and quite possibly without his knowledge (forging of signatures, another story but nothing we could prove as they were at the same address). I'm at a loss to know what to do, we have no other debts, no CCJ's (I've checked on several websites as we're hoping to get a mortgage next year) and this would set us back so far. Can they still chase him for it even if it was his ex-wife? Many hopeful thanks in advance......