Showing results for tags 'proof a debt exists'.
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Evening all Had a few lovely threatograms from Lowell Group regarding a Mobile Contract claiming just over £200.00 and have ignored them. Having checked Credit Reference Agencies etc I concluded that the debt was frivolous and nothing to do with me at all (No entries from the Lowell Group and no entries from that mobile company either) Oddly enough I have accounts with the Mobile Company they sent the letter from which are all being serviced correctly (Including one I have a credit balance on) So I sent Lowell an email basically asking them to "Prove it or do one!" Had an email back from them as follows: Interesting...! They've written to me with the Mobile Account Number, Outstanding Balance, They know my address, They know my name... So why are they asking me for that information when they clearly have it all and can write to me and give the account information. I am tempted to write back as follows: Hmmm perhaps not... But in all seriousness, are they trying to fill in the blanks? Should I ignore the email? Or should I just wait for the inevitable Carter letters and defend a theoretical claim? Thanks All. Nuke -
Hi, When a credit card company for example, register a debt with a credit reference agency they surely have to prove in a legal fashion that a debt actually exists. I assume that the credit card company could not register a debt without proof as they could claim anyone has a debt without it. As far as I'm aware the only legal document that proves the existence of a debt is a CCA that was signed at the time of opening the account. Could I not challenge Experian to prove that a CCA was produced in order to prove that I owe what they sat I owe? Can this be done by a Statutory access request? Any help is most appreciated.
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