Hi everyone!
Today we received a reply from Intrum claiming that the account were receiving payments up to October 2016. It is extremely unlikely, and here is why.
Intrum is using my fiance's maiden name, which she changed in 2013.
So why they don't know her current name if the account has been receiving payments till 2016?
Also, the account has been defaulted in April 2011 (according to them), and the debt been sold to them in March 2017, just 5 weeks before becoming statute barred.
Not sure why HSBC would sell on a debt that was still being paid in 2016.
What I find the weirdest though, is that Equifax has no record of this alleged debt - as it should be as the account is supposedly closed in around 2009.
My only theory for its existence would be that HSBC somehow failed to close the account and some sort of management fee brought it into negative balance, and that somehow - interest maybe? - ended up in that 1500 GBP debt.
One thing is sure though, we don't really want to pay off an account that was supposed to be closed for almost a decade now!
What steps should we take next?
Request the information that they have on that account?