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I am sorry if this isn't supposed to be in here but I just want to get a few ideas and thoughts on this.

 

I lived in central London 2010/2011 and took lending stream loans out (as far as they are concerned as I can't remember not paying them back)..

 

..fast forward to 2018 (I moved in 2012 and then again 2016), PRA Group contacted me about a loan (£80 - which isn't the sum but the principle that bothers me).

 

I called PRA group and launched an investigation and complaint and then called lending stream doing the same, disputing the debt as

 

1) I had not heard from them via email or phone and they confirmed they still had both on file

2) I do not believe these are my debts

 

however in case they would be (it's such a long time ago),

I'm disputing that they never gotten in touch with me sooner as they said they sold it to debt collectors in 2013, so why not get in touch with me for 2 years?

I asked them for proof to show me they emailed or called me trying to get this debt back.

 

However, what is my next step and how likely is this going to be that they'll keep chasing me?

 

My point was that if they called me in 2011/2012 I would have just paid it,

no one likes debts so why would I run from it,

 

now I don't think this is mine and it's not an insane amount but the principle is that it's crazy and 7 years ago...

 

Thanks for all the help!

Edited by dx100uk
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1st NEVER EVER ring a DCA!!

they are NOT BAILIFFS

and have ZERO LEGAL POWERS.

 

if its 7yrs old send them our statute barred letter from the debt collection section of our library

 

this will

give them you correct address and protect against any backdoor CCJ's , it being SB'd without telling them in writing is NO protection.

never run away from debt...

 

what does your credit file say?


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

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My credit file doesn't even show this.

 

I've recently checked it and over the years and as I'm going through a work application had the force views of my credit file and it's not on there at all.

 

Well I don't run from debts, that's why I contacted them but I'm trying to figure out if I'm going about it the right way?

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Do I aim the letter at the debt collector or lending stream? Or both?

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Debt collector. They're the ones chasing.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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I said send them..didn't even mention the OC

Nothing to do with them anymore they've sold the debt


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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