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I am waiting for action against me with trepidation, I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago. Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago. I sent many letters DISPUTING with original lender credit card, but don't have copies. They eventually sold to Arrow Global. They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered. I now wonder if original lender/credit card will be able to provide ( or even kept) my letters of DISPUTE ? There are times when my cognitive process is greatly impaired, so I am unable to talk, write, take information in. At other times, like right now, I can compose a short email. Any guidance gratefully received . I think I destroyed my records last year in during a psychotic episode. I take anti psychotics, anxiolytics, mood stabilisers and anti depressants , all of which impair my cognitive function. Original agreement 1995 Last Payment 2011 (? needs verifying ) Default Notice possibly issued 2011 (? needs verifying )
I only recently discovered this, as no-one from the various organisations we deal with ever mentioned it, so I hope it helps someone else. It will have been mentioned before on CAG, but this may act as a reminder. I act as carer for my mother in law who is pretty badly disabled and gets higher rates of DLA. Last year she was diagnosed with dementia, officially, although we knew there were problems before that. There are 3 people in the house. I have now submitted a signed statement from her GP confirming her lack of mental capabilities and my role as a carer. This gives further information: http://www.nhs.uk/CarersDirect/moneyandlegal/finance/Pages/council-tax-discounts.aspx She also requires space in the house for wheelchair to get about, zimmer on occasions, etc and has a specially adapted bathroom. We have made one room downstairs her bedroom so we can't use it. There might be the possibility of a lower Council Tax banding than we are currently on. I will keep my fingers crossed. Hopefully someone else might benefit and remember, back dated claims can be made. There are 3 of us in the household.