CW Harwood & Co/Redwood Collections old lloyds/amazon Credit Card 'debt'

[technician483]

Well I'm after some advice again!

 

My girlfriend has just received 2 letters in quick succession from CW Harwood & Co claiming

to be acting on behalf of Redwood Collections.

 

They are chasing an alleged debt of £3886.35 that was owed as far as we can make out

to Lloyds Banking Group originally for an Amazon credit card.

 

 

The debt has been passed around but we now believe from her credit report

that the debt was actually satisfied back in 2009 in full.

 

The latest letter states they are now

"seeking instructions to pursue this matter through the county court process following your failure to settle this debt."

 

They go on "Payment in full must be made to Redwood Collections Limited

within seven days to prevent such action being taken."

 

I really don't want this to end up in court.

 

 

How can I prove the debt was paid or at least prevent them from taking her to court?

[Bazooka Boo]

Have you checked her credit report?

Does this appear on there at all?

 

DON'T contact them yet, there arbitrary time limits are only there to get you to panic and pay money you don't owe!

[technician483]

We checked her credit report.

 

 

At first nothing was on there at all with regard this debt.

 

 

Then when we phoned to cancel the monthly credit report charges they suddenly came up with this debt.

 

 

Apparently it was from a previous address and they couldn't show it on the report until they'd verified her address.

 

When it appeared the operator at Experian said the debt had been satisfied back in 2009 in full,

but that it now appeared again as another debt but for exactly the same amount!

[dx100uk]

so its showing twice?

 

 

that's typical if its been sold and a debt buyer has got there hands on it.

 

 

the fact that it shows £0 settled

will just be the OC writing the debt off against tax and selling it on a phishing list.

 

 

might be best to fire them off a CCa request.

 

 

dx

[dx100uk]

just be a bit careful

 

 

redwoods are ex 1st credit/connault collections staff/ managers.

 

 

they have a NASTY habit of purposefully serving statutory demands to old addresses

 

 

however a they have your current address

 

 

they'd be silly to do that!

 

 

they also chase statute barred debts

 

 

but as you say? its well old but not 6yrs from last payment?

 

 

is their details of the last payment on the cra file info?

 

 

dx

[BRIGADIER2JCS]

What is the default date showing on the credit report?

[technician483]

I've just checked her credit report again.

 

 

It seems to have changed and

 

 

now only shows this debt once.

 

 

It is shown as being an IND Limited debt for £3886.00.

 

 

Default date is listed as 10/09/2009.

 

 

I know for a fact that even if the debt is legitimate she won't have paid anything or acknowledged the debt since January 2009.

 

The strange thing is that when we phoned Experian to cancel her monthly debit with them,

they were adamant this debt had been settled in full, not just sold on.

[dx100uk]

opps be very careful if IND have got it.

 

 

dx

[technician483]

Why are IND particularly bad news?

[technician483]

If I send a CCA request, who should I send it to? IND Limited or Redwood Collections?

 

IND seem to own the debt but Redwood Collections are now acting on their behalf.

[BRIGADIER2JCS]

IND for the CCA.

 

As to Experian often a creditor just e ters that a debt is 'settled' without qualifying how it was settled or by whom.

[technician483]

Who should I send a SAR to, as I'd like to get to the bottom of this alleged debt. Should it be to the originator of the debt, Lloyds?

[BRIGADIER2JCS]

Who should I send a SAR to, as I'd like to get to the bottom of this alleged debt. Should it be to the originator of the debt, Lloyds?

 

To the original creditor Lloyds a DCA will only have date from the date it acquired an account.

[technician483]

Is there anything I can do with Redwood Collections to delay the possibility of County Court proceedings, whilst I fire off the CCA and SAR requests?

[dx100uk]

you don't need too

you could send them a cca request too if you like

 

 

tie them both up in knots!!

 

 

just remember they are a dca

 

 

DCA@s are NOT BAILIFFS

 

 

they have

 

 

NO SUCH LEGAL POWERS

 

 

dx