Settled Debt Coming Back To haunt PLEASE HELP

[snidershappy]

Hi

Can anyone please advise About 3yrs ago my friend bought a watch costing £80 from Kays Catalogue after making her last payment she was given a charge of £15 late payment fee, She refused to pay it because she said the statement had been late hense the late payment Well as you can imagine more & more £15's were added then passed to a DCA then they added fees for this an that which totalled to around £280. I wrote her a letter to get the debt passed back to Kays and after they looked at her statements & much debating with Kays they saw it was all fees & scrapped the debt & told her it was now sorted & that was the end of it but now out of the blue 3yrs later she has received a letter from a DCA demanding she pay £280 that was owed to Kays she is in a tissy over this can anyone help or is there any letter templates for this

Many Thanks

[snidershappy]

Can anyone please advise

[mnrbig]

Hi

told her it was now sorted & that was the end of it

 

Did she get this in writing? I would tell the DCA it is made up of unlawfull charges and put in a claim for them.

[dx100uk]

can't see how you can claim back charges that you never actually paid:roll:

 

i think this is a case of a dca fishing on an old debt and seeing if they can catch a mug who will pay.

 

but yes, you need to find the old letter detailing that the debt is settled and copy it to the dca, or you need to get kays to write again confirming it is settled.

 

dx

[mnrbig]

can't see how you can claim back charges that you never actually paid:roll:

 

dx

 

The way I see it, if the debt is made up of charges irrespective if they were paid or not, if they go to court you counterclaim for the charges which will be ofset against the alleged debt, thus cancelling out what is owed.

 

Hey, I could be wrong.