Received a credit agreement but figures totally different

[jimmyp87]

Hello!

I've recently been HOUNDED for £412 from a company called portfolio recovery associates every day for the last couple of months. They leave a voicemail (pre recorded) when I'm out and when I answer it's a robotic voice saying they would like to speak to me, then it connects to an operator....I thought this was illegal?!

Anyway I contested the debt as there's no way I owe £412 to anyone and demanded for them to send me a credit agreement.

They sent one, and it says I borrowed £80 from Wonga a while back.

The woman on the phone said it's gone up to £412 due to added fees...there is no mention of this in the "credit agreement" only the £80 that was apparently originally borrowed.

So my question is this....would I legally have to pay the £412 even though I have no proof that this is the amount Wonga require as there's no mention of this amount?! I mean, PRA could have changed the figures themselves couldn't they?

And it's a 3 year old debt...have they stalled the default due to them maybe not having correct proof?

And what makes a credit agreement a credit agreement?

Thanks for your help typed this on my phone and probably doesn't make a lot of sense! Thank you

[rebel11]

Hi jimmy

 

Welcome to CAG

 

The guys will advise as soon as they are available.

[renegadeimp]

First. Never speak to them on the phone. Ever. They will say and do everything they can to get money from you. If you must speak to them via phone, record the call in full.

 

What you need to do now is send them a Prove it letter, and send wonga a SAR. ALL the charges that are levied are penalty charges and can be reclaimed, although given wongas current business ethos, i reckon that the debt isnt charges as such, more so theyve continued to levy interest on it. If charges are on there, then its more likely that PRA have added spurious charges to the debt to give themselves a nice profit.

 

Either way, you need to get the debt disputed, and get the legal requests rolling so you can find out the true story of the debt.