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Alleged debt by Thames Credit Ltd no idea what for though


bathyboy81
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Recieved a letter from them today claiming they had bought a £934 debt from GE capital bank. I have no idea what this debt is. Checked my credit file and have nothing on it that it could be. The only credit i have taken in the last six or seven years is all on the credit file but can find no mention of GE capital or a £934 debt, or any debt that is in default.

 

What should i do now? Do i respond to the letter and ask them what they are on about or should i just ignore it?

 

Thanks

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Recieved a letter from them today claiming they had bought a £934 debt from GE capital bank. I have no idea what this debt is. Checked my credit file and have nothing on it that it could be. The only credit i have taken in the last six or seven years is all on the credit file but can find no mention of GE capital or a £934 debt, or any debt that is in default.

 

What should i do now? Do i respond to the letter and ask them what they are on about or should i just ignore it?

 

Thanks

 

If there is nothing on your credit file about this, chances are that it is statute barred. Simple thing to do is send them a CCA. Send recorded delivery, but do not sign it with your normal signature.

 

Whilst you wait for a reply, have a good read around these threads and you'll learn a lot.

 

Dear Sir/Madam

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Re:− Account/Reference Number xxxxxxxxxxxxxx

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you.

 

Yours faithfully

Just hate every DCA out there

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