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Lisa75
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All,

 

I was wondering if you could help. My partner had a loan with Welcome Finance. January 2003 it showed on his credit file as a default - he has not made any payments or had any contact with Welcome since before this time. Therefore, this should be statute barred. Welcome then sold the debt to Hillsden in 2006 and this is when Hillsdens issued the two defaults at two different addresses.

 

He received a letter address to the occupier last week from Ruthbridge chasing this debt. Hillsden are also involved. He has not made any payments to anyone and advised Hillsden of this and informed them that the debt should be statuted barred. He has now received a letter from Hillsden advising he has made a payment on the 15th August 2004 which he definetely has not. How can he prove this is wrong?

 

Any help would be appreciated.

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Hi,

I would write back asking them to state when, where and by what means this alleged payment was made. If, as I suspect, it is a fictitious payment, they won't be able to.

 

What has happened in the past is that when a DCA gets a debt, they pay a nominal amount onto it to keep the account alive.

 

Don't let them get away with it. They have to prove-you don't

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Hi,

I would write back asking them to state when, where and by what means this alleged payment was made. If, as I suspect, it is a fictitious payment, they won't be able to.

 

What has happened in the past is that when a DCA gets a debt, they pay a nominal amount onto it to keep the account alive.

 

Don't let them get away with it. They have to prove-you don't[/quote

 

thanks, they also put ruthbridge onto him ie some very unlawful letters, hs put 2 defaults for different addresses, even state wrong date on the default. They stated that welcome told them the aggreement date was 2003, 2003 was the year welcome defaulted me. Has anyone else had the same thing done to them, as any other advice would be helpful

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thanks, they also put ruthbridge onto him ie some very unlawful letters, hs put 2 defaults for different addresses, even state wrong date on the default. They stated that welcome told them the aggreement date was 2003, 2003 was the year welcome defaulted me. Has anyone else had the same thing done to them, as any other advice would be helpful

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