Clarity - Pounds til payday help - F@F

[skyblue2027]

I have had a CCA back and it looks fine. unfortunately i cannot scan but it has amout borrowed, interest, timescale the sigs etc.

 

Only thing is clarity are advising the debt is £580. the amount borrowed was £300 plus interest making the debt £389 originally.

 

on the agreement it advises if defaulted, there would be a defaulted charge of £69.

 

on the PTPD statement attached it has 2 loan references but only 1 cca. one loan for £100 and the other for £300.

 

its bizarre and im unsure of wjat to reply.

 

can anyone help?

[dx100uk]

charges can be reclaimed + int

 

dx

[skyblue2027]

on the PTPD statement attached it has 2 loan references but only 1 cca. one loan for £100 and the other for £300.

 

this bit confuses me. i will try and scan in the next couple of hours

[harrassed senior]

You could always send the prove it letter, amending to query the fact that there are 2 loans neither of which you acknowledge.

[skyblue2027]

thanks for the reply.

 

is there a link to that letter, please?

[harrassed senior]

Dear Sir or Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

[skyblue2027]

thank you. will it make any difference that i have been making payments of £5 per month for the last year?

 

im quite certain i owe them money but not sure how much.

[harrassed senior]

No problem. They should come back with further information that can clarify matters.