1st/Moony PAP Letter of Claim - old BOS OD - Poss SBd

[dx100uk]

if the payment wasn't made by you

then its not authorised by you in writing and doesn't count.

 

didn't have any debt management plans with anyone did you?

[BaconMan27]

No I never authorized any payments into that account and I didn't have debt management plan in place at that time.

[dx100uk]

well if they were stupid enough to goto court with this

they'd have to evidence how, when and by whom the payment was made

and also evidence that you authorised that payment in writing.

 

not gonna happen and we've seen these fail before.

 

pers i'd send the SB letter .

[BaconMan27]

I'll get that sent out today and see what they come back with. Thanks for all the advice

[BaconMan27]

Quick update on this.

 

I've had a letter from 1st Credit Legal Department stating that they believe the debt to still be active and not SB'd as a payment was made in June 2012.

 

they say they've requested statements from the creditor to substantiate the claim and they will forward onto me once they receive them.

 

They then confirm no further action will be undertaken until the statements have been provided.

 

Time to play the waiting game and see if the statements can be provided

 

but I know for a fact I never authorized any payments into that account.

 

Cheers

 

BM