Checking last payment made

[outline]

HI All,

 

How do I check when a last payment was made to a creditor?

 

I have checked with the CRA and it says Dec 2002, but that can't be so as I have not been able to work since Sep 2001 (no income whatsoever). The CRA say's in Jan 2003 SETTLED - I never settled it!

 

All help appreciated.

 

TIA.

[42man]

You could send a SAR (Subject Access Request) - unfortunately this will cost £10 (but at least you will know where you stand)....and send it recorded/guaranteed delivery.....they have to comply with your request within 40 days....

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

print but don't sign your name

[outline]

Thanks for that.

 

What do I do if they have no records as it was back in 2001, or would they keep records this lone anyway?

 

TIA.

[TheChancellor]

Hi OL.Am I missing something? Is someone asking for money?If not & it says "settled" would you rather not just let sleeping dogs lie?My credit report should have about 5/6 DN's on it.It had one from someone I haven't dealt with & now that one has disappeared.Very curious but then curiosity killed the cat so I keep well clear.

Edited October 29, 2008 by TheChancellor
punctuation

[outline]

Well yes. Scottcall suddenly sent a letter asking for money and I could only find something that was vaguely similar on Equifax. So my thinking was that this must be 'Statute Barred'.

 

It says settled on equifax, but also says payments made, but I could not have made them. It made me think that maybe someone has made payment to keep the account alive!?!?

[TheChancellor]

Maybe best to keep your head down for a couple of months & deny all knowledge.I would have thought they will still have to prove it was you paying the account.

[outline]

Has it been ever known for DCA's or Creditors to make payments to keep an account live?

 

It all seems very odd as the CRA says no payments for about 7 months, then payments, then settled. I have not worked since Sept 2001 and have been a househusband with no income since then, so definately no payments by me.

[42man]

Can you remember back to December 2002 ?? Some debt collection agencies will try and kid you that it was the default date and NOT the last date you made a payment....and defaults can be added some months after you stop paying !!

[outline]

Can you remember back to December 2002 ?? Some debt collection agencies will try and kid you that it was the default date and NOT the last date you made a payment....and defaults can be added some months after you stop paying !!

 

All I know and remember is that I have made no payments from September 2001 as that's when I last earned any money, despite what the CRA says.

[42man]

In that case it will be statute barred send letter 'M' from here - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send it by recorded and don't hand sign it

 

If they continue to harrass you this is what the OFT say - section 2.14 (b) -

• continuing to press for payment after a debtor has stated that they

will not be paying a debt because it is statute barred could amount to

harassment contrary to section 40 (1) of the Administration of

Justice Act 1970.

[outline]

Thank you for the advice 42man.

 

What about what the CRA says - do I just ignore it and wait for it to drop off the file?

[42man]

Wait until that drops off....