Nationwide / CCSCollect - Statute Barred, Faking Payment

[missfriendly]

Opening a thread that I'll keep updated as it progresses.

 

I received a letter today from Nationwide regarding a credit card debt I had with them.

They informed me that they have passed the debt to CCSCollect.

 

The debt they are referring to became statute barred in January 2013.

However, when I called CCSCollect to have them remove my details,

they claimed that a payment was made to the account in 2012.

 

This would have been impossible, as I was living in Chile at the time, and had no means to transfer money to the UK.

 

I've sent a letter copied to both CCSCollect and Nationwide today detailing the last payment,

the default date, and the date the debt became statute barred.

I've stated that the debt is unenforceable,

I do not acknowledge any liabilty,

and that I will not be making any payments.

 

I also explained why any payment they claim I made would be fradulent

- and stated that if a payment had been made, it would have shown on my credit file.

 

I suggested CCSCollect return the account to Nationwide, as they have been sold an unenforceable debt.

 

If they decide to go any further with this,

does anyone have the link to the template letter to demand that they prove I made the payment?

 

Hoping this'll be the end of it,

but we'll see.

Thanks,

everyone!

[renegadeimp]

Easy answer? Theyre lying. Get off the phone and put everything in writing. Get them to state the payment made, how it was made, any reference numbers etc.

 

I bet you either never hear from them again, or they say it was an admin error.

 

Again, they will say ANYTHING over the phone to get money from you. Whether you owe it or not.

[silverfox1961]

Hi

there is no dedicated template letter so I would be asking them something like:

 

"You have alleged that a payment was made to this account in 2012. I require you to substantiate this allegation by stating when, where and by what means was this alleged payment made."

[missfriendly]

I know they're lying, Imp..

. it's just a bit worrying when they're making up lies like that.

 

As if it wasn't suspicious enough,

the guy who answered the phone put me on hold to ask his manager what to do,

and after he spoke to his manager,

they magically found a record of the alleged 2012 payment.

 

If they have the balls to insist that there was a payment in 2012, I'll definitely use your wording Fox

- coulda sworn I'd seen a template for this somewhere, but not a huge deal.

 

I share these things for the sake of sharing with others who may be dealing with the same companies. To be continued...

[renegadeimp]

Not really worrying. Thats how DCA's operate. They lie cheat and do whatever it takes to get money from people. mainly because very few people know their legal rights.

[dx100uk]

how are you gauging the SB date?

 

if a defaulted date is in the summary line of the debt on the cra file

then typically SB runs from then.

 

also just remember that a debt that is SB'd can still be chased/sold on.