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scotcall....please help


debbierobb.109
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hi, im new here

little back ground, when i was as tudent i opened a bank of scotland account...got offered a huge overdraft (2000) being a skint student i snapped it up......lost my job closed account and forgot about it...it was 8 years ago....

obviously tey caught up with me, i was not aware of anywhere like this so i set up a repayment thing with LOWELL , i stupidly paid them back all but 132 of the debt.....when they contacted me origionally the debt was 4 years old.....

anyway the other day i got an email from scotcall demanding the 132 or i would get a home visit....i replyed to the email with a letter from here about them having no proof etc

they replyed saying it was my debt etc...so i just resent the letter and i also added in a section from the door visit letter too

i heard nothing back for a week and thought great.....untill today

i got the followeing

 

LAST PAYMENT DATE

 

30/06/2011

 

LAST PAYMENT AMOUNT

 

132.17

 

PREV ADD 1

 

XXXXXXX

 

PREV ADD 2

 

xxxxxxxxxx

 

PREV PCODE

 

xxxxxxxxxxxxxxxxxx

 

DESC

 

BANK OF SCOTLAND - CURRENT ACCOUNT

 

REG DATE

 

19/06/2009

 

DF START DATE

 

22/08/2005

 

DT LAST INSTALL START

 

DT LAST INSTAL AMOUNT 132.02

ORIGINAL CLIENT : HBOS

 

PRODUCT CODE : E009

 

PRODUCT DESCRIPTION : BOS CURRENT

 

RESIDENCY : LIVING WITH PARENTS

 

WRITE-OFF DATE : 13/01/2009

 

ACCOUNT OPEN DATE : 22/08/2005

 

WRITE-OFF BALANCE : 2378.91

 

LAST PAYMENT AMOUNT : 0

 

Hope this is of assistance to you.

 

Regards

 

 

nw...i can see it says that the balance is written off...which i assume means the bank done that and lowell then bought the debt???? would that be right??

the above info is correct from the time of the debt but i have since married 9so have different last name but my email is maided n name) and i have moved several times.....i assume they dont have my address i am at now as they have not sent a letter..

iv not paid any more of this debt off since 2009.....i found about debt companies and their wyas just before my last payment so decided to not pay it....

can someone advise me on what my next move should be??

i have not replied to the above email

 

help haha

Edited by ims21
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