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Confusing letters from 'Experto Credite'

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Hi All ... I'd be grateful if someone could advise me on this matter, please.

 

In June I received a letter (dated 08/06/12) from a company I'd never heard of ... 'Experto Credite' ... claiming that I owe £355.

 

The letter states: "Your account details have been passed to us by National Westminster Bank PLC to act as a collection agent and we will now be dealing with your account.

If you are making payments to Intrum Justitia then there is no need to contact us as we have taken over the management of this account but the address and bank account remain the same, so we will continue to receive your payment."

 

I immediately wrote to Experto and asked for further details of the alleged debt. I received their reply this morning.

Apparently the debt relates to a NatWest credit card that I had in the year 2000(ish!) I was made redundant in 2001; fell into arrears with the monthly payments; and NatWest took me to Court so I was lumbered with a CCJ. I then started to make regular payments ... and once the debt had dwindled significantly, NatWest transferred it to a DCA called 'Intrum Justitia'. This was on the 8th May 2003.

 

I was paying 'Intrum Justitia' £30/month, but missed one installment so they transferred the account to 'Geoffrey Parker Bourne Solicitors' (NB: they call themselves 'solicitors' but they're just a DCA).

 

Now as far as I was aware, I continued to pay 'Parker Bourne' until May 2009 when I assumed (by my own calculation) that the debt had cleared.

 

So I am completely confused ... Why would 'Experto' think that I might still be paying 'Intrum' when the debt was moved on to 'Parker Bourne' and repaid?

 

At the end of the letter 'Experto' write: "Your account has been placed on hold for our client to respond to your request". But who is their client?

 

And if I still owe money to 'someone', then why haven't they been in touch with me during the past 3 years?

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first thing to do is check your credit file with all 3 agency quick as that will give you some answers


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Hello huggy41 ...

 

Just looked at my credit file with Experian and there are no 'accounts overdue' showing at all. There is no mention at all of the NatWest credit card or the CCJ, or any of the DCAs.

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Did you get written confitmation that the debt had been FULLY repaid??


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