HFC loan for windows in 2003 now chased by 1st credit

[colin11]

hi all, here is my story to here

 

In 2003 i bough a house with my then wife and

it needed a few windows replaced, so

we contacted a window company, and

signed a credit agreement with HFC for £5,800, and

 

i paid every month for 3 years, at which point, my marriage broke up

 

her new man bought me out of my share of the house,

at which point i contacted HFC for a settlement figure so that i could pay it off,

the figure that came back was £10,500 which i thought was shocking,

i told them to get stuffed, and cancelled the direct debit

 

a year went by, then their DCA contacted me demanding money,

so i wrote them a letter asking for a long list of information,

including copies of all documents pertaining to the credit agreement,

 

they told me they would put it on hold while they collected it all for me, I

never heard from them again

 

then another year later i was contacted by another DCA demanding the money,

i referred them to my previous letter and they went away and never came back

 

enter 1st Credit

 

they started writing to me in 2009,

by now it was standing at £14,500 though they did offer me discounts,

 

i just ignored them,

they wrote on and off for 3 years,

sometimes making threats,

rang my house once,

but never took any action,

it never even showed on my credit file

 

at this point i knew 6 years was close,

but was not sure when,

 

thats when for some odd reason, they chose to put it on my credit file,

showing the default date of April the 30th 2006

 

so it sat on my credit file for 13 days before it dropped off,

giving me the date of 6 years from the default,

thank you very much :-)

 

the last letter i got from them offered me 90% discount

 

it just shows never reply to them and their threats normally come to nothing

 

my question is, will they have another move ?

will they still keep asking for money even though they cant get it from me through legal means ?

 

now i have Lowell 11 chasing me for £61 for some EE debt that i know nothing about

Credit Expert shows a default date of 10/10/2008,

and shows 8 months of no payments before that,

does that mean im safe from that ?

 

even though they are making threats, will ignoring them have the same result ??

[renegadeimp]

90% discount means they KNOW the debt is unenforceable, or they bought it as such a low amount, they want anything they can get from it. Since youve never had a copy of the paperwork and its almost SB, i think youve found out yourself they cant collect. Remember though, that wont stop them trying legal action if they think they can get judgement by default.

 

Regarding lowell, send them the prove it letter. http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It Read, modify and send it.

[colin11]

90% discount isn't too shabby lol

 

100% is better

Edited March 15, 2014 by colin11
add a line

[renegadeimp]

Very true

[Crapstone]

I'd just ignore them both although they will keep sending letters and it will keep getting passed on to other debt collecting companies. For a £61 almost 6 year old debt they aren't going to do a fat lot to chase it. Do keep all the letters you get from them but if they were going to do something they would have done it by now.

[dx100uk]

i'd be cheeky and send them a cca request

 

when / if it comes

 

I bet you've ppi reclaim on it!

 

dx

[Crapstone]

Was the debt for the windows in joint names Colin?

[colin11]

no they were in my name only

[citizenB]

What happened with this, Colin.

 

If neither you nor your ex made any payments after 2006, I would have thought this was now statute barred ? If this was an HFC account then it is very likely there was PPI included, so if it isn't stat barred, then you might want to consider reclaiming the PPI to be offset against any "genuine" balance.