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Found 2 results

  1. Hi! I'm a new user here and this seemed the right category to post this to. Sorry if I was mistaken. my fiance got a letter from Intrum earlier today, trying to enforce a debt of £1529.81 they had purchased from HSBC. My fiance recalls she had paid off - and closed the account - about 8-9 years ago, what at the time amounted to £500. Said account is not present on her credit file (looked up on Clearscore who gets their info from Equifax) and as such no default notices either. Ironically, the 'change of ownership' letter says that they (HSBC) have taken all the necessary steps to reflect the change of ownership on her credit file. Said letter is dated 15/3/2017 and been bundled with Intrum's demand of the debt. Since the debt is - if it's even legit - must be over 6 years old, and she hasn't been in contact with HSBC ever since, we were thinking about outright ignoring the letter. Would that be safe to do so?
  2. Hello My ex husband and I had a loan with the HFC years ago-approx. 18 years It was for 5000. We got behind with payments and def had PPI which actually we could ill afford and both working for NHS didn't need . I think with interest rates , charges and PPI I remember working out once that the 5 year loan had limped into 8 or more years and we had paid back something like a couple of thousand more than the original loan and still owed a couple of thousand ! last payment was over ten years ago and weve heard nothing for most of this time until this year . My husband has moved out as weve amicably separated and I received a letter which was from a DCA saying the debt had been assigned to them in 2013 and what were proposals to pay - as weve definitely left this behind over 10 years ago I didn't think any action would be forth coming . I did however take note that we now have an account number -- the one thing that stopped me reclaiming ppi a few years ago . With my ex`s blessing as its joint loan would it be worth me sending a CCA and starting a ppi claim or may I risk a bad print again on our CRA files ? Thanks
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