Hi, I really need a hand and will include as much as I can think of:
Bought a camcorder in '04, and both me and hubby were POSITIVE we paid it off (during the interest free period) the month we moved in April 2005. But typically we can find no paperwork.
Got something from GE early this year, and I replied asking for info but they said they could not help. I generally prefer to do anything like this in writing but I spoke to them at length on the phone, explained I really needed a statement, they said they had not contacted me for at least 18 months and would call me back on a given day and time with the info. I did not hear from them.
So Viking debt collection contacted me and I was concerned at this, this was around July this year. I rang them and they were of no help at all and told me to go back to GE who refused to deal with me saying my account (with them) was now closed.
No Lewis Group (and the most obnoxious man I have ever dealt with) are chasing me. When I got the first letter I wrote to them explaining the situation. No reply. I re-sent the original letter, no reply. Now a debt collector is putting notes through my door. It's REALLY hard to call during the day and I could not get through to him prior to 9am or after 6, or the days I was able to try and call.
I left a voicemail for him explaining I had tried for months to get the relevant info and resolve things, and asked if he could help me to get the info. He kept putting notes through the door, or called for me weekends when I was out. It has really peed off my husband who gets disturbed because he works shifts.
Today my husband rung the number on the most recent card, the debt collector intimidated I had large amounts of debt I had not told my husband about (the entire item was approx £250-300 originally!) which is rubbish and I have never had debt problems before. I can absolutely afford to pay the amount, IF I owe it and I believe I do not.
The debt collector told my husband he would get the police to accompany him to force me to speak to him, I could lose my job, the court will pass judgement against me and there is nothing at all I can do about it. I rang the guy, explained the position again and he said he had no details except the date the credit agreement began, and it would be against data protection to discuss the account with me. In the end he said he would send the debt back with the advice to go for a CCJ and I said 'Good!' as by this time I was livid at his bully tactics and refusal to let me even get one sentence out.
He then rung my husband back to tell him how awkward I was and that he would be issuing a 5 day final notice (this after asking me for permission to discuss the debt with my hubby and me refusing permission - not because I have anything to hide but because if the guy can't get info to help ME sort it, then there's nothing in the world my husband can do).
This week I have emailed and posted the previous correspondence to Lewis Group, but have recieved nothing back.
I do not want to risk any CCJ against me and I know this is already affecting my credit rating, please could someone let me know my best course of action now?
Thanks for anything.