ChatterBank80 mins ago
This is going to be very long winded!
26 Answers
Approx 8-10 years ago I held an account with Nationwide, my husband, at that time had access to my card and pin number (stupid me)! He was suffering from alcoholism, when we split up, about a year later I closed the account.
Today, I received a letter from a debt recovery company advising that I owe £689.26 from this account. They advised that they had an address for me at one point of EN, Enfield... I have never lived in Enfield. He advised that he had spoken to me in April and the address/ phone number he held I hadn't lived at since November 2011.
Apparently the lady who presented herself as me advised the debt recovery company that she was contesting the debt (very kind of her) however I received the letter today following my son going to my old address and picking it up.
I am so confused, I want to pay this off and be done with it, I have never had any debt whatsoever. My OH has told me that I shouldn't pay it and contest it fully, however, the debt recovery company has told me they will continue to follow up with their actions to retrieve it.
They also told me that there was activity on this account in 2006, I haven't had this account since approx 2003.
Should I just pay it and let it go or fight it to the end. The debt recovery company are requesting the bank statements for me to look through though.
Today, I received a letter from a debt recovery company advising that I owe £689.26 from this account. They advised that they had an address for me at one point of EN, Enfield... I have never lived in Enfield. He advised that he had spoken to me in April and the address/ phone number he held I hadn't lived at since November 2011.
Apparently the lady who presented herself as me advised the debt recovery company that she was contesting the debt (very kind of her) however I received the letter today following my son going to my old address and picking it up.
I am so confused, I want to pay this off and be done with it, I have never had any debt whatsoever. My OH has told me that I shouldn't pay it and contest it fully, however, the debt recovery company has told me they will continue to follow up with their actions to retrieve it.
They also told me that there was activity on this account in 2006, I haven't had this account since approx 2003.
Should I just pay it and let it go or fight it to the end. The debt recovery company are requesting the bank statements for me to look through though.
Answers
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Doesn't sound as if you have been threatened with a baliff anyway, just a debt collector
I can understand why you would want to pay it, but this is not your debt.
You hear about stories like this where by debt collection agencies are just trying their luck.
A statute barred letter is admitting you own the debt, I wouldn't send one of those myself
Seek legal advice; the CAB can help you with that
I can understand why you would want to pay it, but this is not your debt.
You hear about stories like this where by debt collection agencies are just trying their luck.
A statute barred letter is admitting you own the debt, I wouldn't send one of those myself
Seek legal advice; the CAB can help you with that
Hi Hopkirk, apologies for the delay in replying. The husband in which I referred to I the OP is my ex husband, unfortunately, very stupid of me I "allowed"him access to my card as I was working all day and he was being the "man of the house" I have him access to my salary as he paid all the bills. At this point I didn't know he was drinking all the bill money. However, I did still go into the branch at that time and close my account wheni left him so don't understand the debt.
