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Redcats Finance say i owe money?


mummymania
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I have had a letter out of the blue from Redcats Finance stating that I owe £153 and I have a CCJ registered in my name from 27/11/2005 (I have checked CRA yet). I don't know who they are apart from googling and it stating it was formerly Empire catalogue. Surely if I had a CCJ I wouldn't have been able to open bank accounts/credit cards in the last few years? I've never had Empre catalogue either. Also in 2005 I wasn't living at this address. What should be my next move? They are stating they will be getting an AOE (I'm self employed!) or send the bailiffs round.

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has the letter come addressed to you or just to your address in another name or The ocuppier? They may have tracked down from a previous address or it may just be a debt that is registered to that address and be nothing to do with you

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UPDATE: I searched my credit report on experian and the 'debt' is from La Redoute catalogue, but my credit report shows that it is settled in 2007 (I remember paying it off). What do I need to do now?

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scan your letter

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 7 months later...
UPDATE: I searched my credit report on experian and the 'debt' is from La Redoute catalogue, but my credit report shows that it is settled in 2007 (I remember paying it off). What do I need to do now?

 

I have just noticed this thread and thought I'd comment that I have had a similar experience of being chased for money through Lowell Portfolio for an account that has been passed to them from Redcats Finance through La Redoute. I have not had a CCJ registered but Lowell has damaged my credit status by registering a default on my account.

 

I had a La Redoute account years ago when I lived at another address. Shortly before I moved in early 2008 I was due to receive an order that never arrived. I phoned La Redoute, who organised to resend it. Again, it never arrived, so I told La Redoute to cancel the order. Shortly after I moved I paid off the outstanding balance of my account and thought no more about it, as I was not interested in using La Redoute again after the delivery problems.

 

In September 2010 out of nowhere I received the letter from Lowell Portfolio saying I owed them money. I had no idea what it was about so I wrote to them asking for more information, found out it was related to the La Redoute account, and eventually succeeded in getting copies of all invoices from La Redoute. Turns out, several weeks after I'd left my old address, La Redoute resent the order I'd cancelled (though again, it probably never arrived as per the last two attempts at delivery). Then, as I didn't pay this 'debt' they slapped on 100% of the original price in default fees. At no time in the past 3.5 years did they contact me (other than possibly mailing my previous address), despite having both my email address and mobile number (which has not changed!). Now I have to run around trying to get the phone transcripts to prove I cancelled the order.

 

It makes me completely furious that I am considered 'guilty before proven innocent' and that the onus is on me to spend my time and money chasing around after a mistake made by a big company who have the power to place a black mark on my otherwise very good credit rating without warning. I seriously think the rules need to be changed, because as it stand the consumer has no power at all. I am a cynic, but I do get the feeling these companies make their little 'errors' on purpose just for the excuse to pump some more cash out of us. The amount in default is rather small, but I am fighting this on principal and making Lowell Portfolio spend time and money as well, as I want to send a message to these debt recovery companies that it's really not worth their while. I think the world would be a fairer place if the selling on of debt was illegal.

 

The lesson I've learnt from all of this is never to leave unused accounts sitting around. Now, every time I've finished with an account of any kind, I CLOSE it! If I'd tried to do that with the La Redoute account I would have discovered that they'd resent my order and could have avoided this situation. In addition to that, I am extremely wary of opening any accounts with catalogue or online companies and avoid it wherever possible. It's just not worth the headache.

 

Apologies for the long rant, but if anyone else has had a similar experience, whether you fought your corner or paid up, I'd be interested to hear about it.

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