Hello to everyone,
I have received a letter marked 'Private & Confidential' at my previous address about 3 days ago,
there was nothing else to say it was from a debt collection agency, just an return address.
Upon opening this there were 2 letters one from my previous bank,
which I stopped using about 10 years ago, & one from a debt collection agency.
The letter from my previous bank stated that they had passed/sold my debt to a debt collection agency
& the other letter was from the debt collection agency stating they had taken over the debt.
Both of these letters are marked the 1st November 2012.
I phoned the debt collection agency to query the letter,
I gave them my previous address that the letter was addressed to along with the reference number on the letter along with my name.
I had a conversation with a female operator regarding this account & was told it concerned a debt from 2002 which I am paying a minimum amount to.
I do remember that if the debt is passed onto another party then this means that I do not have a legally binding contract with debt collector which I explained to the operator.
She then said that as the bank, my previous bank, had sold the debt onto them & that I had to now start paying them.
I explained that I have no contract with them & therefore I don't owe them anything.
I also stated that I would be looking into the legal implications regarding this & would get back to them later.
The operator then suggested that I speak with C.A.B. regarding this so as to save money & when I call back I would need to arrange to make payments.
I politely to her that I would decide who to talk to about this & said my good byes.
I would like some advice as to my next step bearing the following;
The letter/debt was sent to a previous address, relative,
Should I give them my new address,
As the debt is from 2002 & was with a previous debt collector surely this should have been struck off,
I have in the past talked to various advice centres such as C.A.B. & they said that I should continue paying even though the debt is over 6 years old, because I was still paying them.
thank you all in advance.