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davo123

DCA chasing Fairmile Partnership debt - old Citi financial debt

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Hello to all,

 

I'm new to these forums and I hope someone can give me some advice.

 

I have just received a letter from a debt collection company claiming that I owe nearly £300 to Fairmile Partnership 1 LLP.

 

As I have never received such a letter before,

 

I panicked and phoned them for more details and clarification.

 

They tell me that the original debt was to a company called Citi Financial Europe and that the debt defaulted back in 2000.

 

I am certain that I have never dealt with Fairmile Partnership or Citi financial before and I am certain that I don't owe this money.

 

Unfortunately during my phone conversation, I was asked for my date of birth which I gave and confirmed that the number I was calling on was my home number.

I hindsight I shouldn't have given the details but as I've already said, I was panicked.

 

I have looked in the library section on here and have put a letter together using the Prove it template and the Status barred template.

 

Obviously I want to tell them that I have no knowledge of the debt but I also want to make them aware that I am aware of the law regarding old debts.

 

My questions are, firstly is it a good idea to combine 2 letters into one heavy weight letter?

 

Secondly, on their letter the original creditor is shown as Fairmile Partnership yet when I phoned the collection company, the guy told me it was Citi Financial Europe,

which company should I refer to in my letter?

 

To add further confusion, there is yet another company name mentioned in the letter. The pursuers are a company called Arrow Global Limited, Original Creditor is Fairmile Partnership 1 LLP.

 

I would be very grateful for any help or advice anyone could offer this confused soul.

 

Many thanks in advance

 

Davo

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hi davo

 

welcome along.

 

sadly you fell for the oldest trick in the book!

 

you owe no-one anything for a debt of that age.

 

pers i'd ignore them now

 

you've not and CANNOT admit to anything on the phone anyhow

 

its well statute barred,

 

there is nothing they can do

 

they are not bailiffs and have NO such legal powers

 

just remember

 

NEVER EVER phone a DCA or a fake/tame solicitor

 

p'haps check your cra file

 

see below

 

dx


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i've moved you thread to the citi forum

 

you'll see from reading other threads

 

the truth too

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Wow a very quick response thank you. If I ignore them as you have suggested, will they go away or am I likely to be forever being hassled by them?

 

Davo

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there are two schools of thought

 

send the SB letter

 

or

 

ignore them.

 

the issue with replying or talking to them

always results in them thinking they've found a mug to fleece

 

that knows no better

 

you do

 

you found CAG

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I guess there are 2 choices.

 

You are obviously aware of the debt and it is a pretty fair bet that it is statute barred.

 

so..

 

1: You can ignore them and they might go away.. however having spoken to them on the phone, they probably now think you are an easy mark and could possibly send more letters or even telephone you.

 

 

2: Or you could send the SB letter. They should then, according to the CSA and the OFT.. return the paperwork whence it came and leave you alone. If they dont and you have told them you wont be paying - you can then make a complaint to the OFT :)


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Thank you for your replies and advice.

 

Regarding my awareness of the debt.

 

I have only now become aware that I am being chased for a sum of money that I do not owe.

I have never heard of or had any dealings with any of the companies detailed in my earlier post.

I do not know how or why this has happened and I am surprised to have received such a letter.

 

It's only after talking to Mackenzie Hall on the telephone that I learnt that the debt went default way back in 2000.

 

Seems strange to me that after 12 years this letter should arrive especially as I've never knowingly run away from a debt or failed to enter my details on the electoral register.

 

A couple of year ago, I found that I had an entry of some kind on my credit file regarding some problem I was supposed to have had with British Gas.

Again this was news to me.

 

It was somehow linked to an address in a part of the country I've never even visited let alone lived in.

 

I contacted the credit agency and got the entry removed as again it was nothing to do with me.

 

Is it likely or possible that these two issues are a part of a bigger issue such as identity theft?

 

If it is, what can I do?

 

Many thanks again

 

Davo

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post 2

 

nothing to worry about well SB'ed

 

stay off that phone!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Again thank you for your advise. Reading through CAG and getting advise from people far more knowledgeable than me has put my mind at rest for now.

 

I will keep posting updates on this situation as and if there is anything noteworthy to add just in case my experience may be of any help to anyone in a similar situation. Perhaps it's more likely that I will be needing further advice though.

 

Many thanks

 

Davo

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