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Debt not paid by "trusted" party
Hi guys, my wife got a loan from Abbey around 8 years ago for £8000 this was a joint loan with her then room mate and friend.
As the room mate was the good one with money at the time the payments were left to her by my wife, who sent her half of the payment which was £100.
About 6 years ago my wife no longer spoke to her "friend", but had come to an arrangement with the mother of the ex-friend as the mother could be trusted, the £100 was placed in the mothers account each month, for the first 2 years this was over the counter at barclays bank.
For the last 4 years these payments have been made by SO from my wifes account to the mothers account.
And now for the problem, it turns out the mother who was trustworthy and the ex-friend who was good with money aint, about 4 months ago there was a open postcard from a DCA from Resolvecall sent on behalf of a company called CapQuest.
This postcard told my wife to call urgently regarding her account, when my wife called she was informed that the outstanding balance now stands at £20794.80.
I got home from work to find my wife in tears, this company said that there has been no payments made at all since the account was opened and that my wife will need to pay this all.
We decided that this didn't seem correct and was going to appeal this decision, my sent a letter of authority to CapQuest for me to speak on her behalf as she gets emotional when she talks to them.
A letter of dispute was sent to them which placed the account on hold for 30 days.
We had originally called in the police who rightfully informed us that this was a civil dispute, we requested the bank statements for my wife's account to show the SO each month going to here the mothers account.
CapQuest also said that they have been trying to get hold of my wife for years, of which we do not understand as we are both on the electoral roll, both on the tenants agreement for are home, my wife has a HP car in her name, and also a littlewoods account and a credit card, it should not have taken long for them to get hold of her.
Also surely a default of this size would have affected her credit fill which this was not the case as the listed items above would show, and also we had checked her file with experian a few months before the postcard arrived and she was listed with an excellent score.
Is there any advice you guys and gals could give in regards to fighting this issue.
I feel that the postcard is in breach of at least one law? and also surely the £20k is a bit steep?
Also what can be done about her ex-friend basically pocketing the money? also there was possible rumours that my wife had heard that her ex-friend was now bankrupt due to fines she had been given from benefits fraud.
Many thanks in advance.
As the room mate was the good one with money at the time the payments were left to her by my wife, who sent her half of the payment which was £100.
About 6 years ago my wife no longer spoke to her "friend", but had come to an arrangement with the mother of the ex-friend as the mother could be trusted, the £100 was placed in the mothers account each month, for the first 2 years this was over the counter at barclays bank.
For the last 4 years these payments have been made by SO from my wifes account to the mothers account.
And now for the problem, it turns out the mother who was trustworthy and the ex-friend who was good with money aint, about 4 months ago there was a open postcard from a DCA from Resolvecall sent on behalf of a company called CapQuest.
This postcard told my wife to call urgently regarding her account, when my wife called she was informed that the outstanding balance now stands at £20794.80.
I got home from work to find my wife in tears, this company said that there has been no payments made at all since the account was opened and that my wife will need to pay this all.
We decided that this didn't seem correct and was going to appeal this decision, my sent a letter of authority to CapQuest for me to speak on her behalf as she gets emotional when she talks to them.
A letter of dispute was sent to them which placed the account on hold for 30 days.
We had originally called in the police who rightfully informed us that this was a civil dispute, we requested the bank statements for my wife's account to show the SO each month going to here the mothers account.
CapQuest also said that they have been trying to get hold of my wife for years, of which we do not understand as we are both on the electoral roll, both on the tenants agreement for are home, my wife has a HP car in her name, and also a littlewoods account and a credit card, it should not have taken long for them to get hold of her.
Also surely a default of this size would have affected her credit fill which this was not the case as the listed items above would show, and also we had checked her file with experian a few months before the postcard arrived and she was listed with an excellent score.
Is there any advice you guys and gals could give in regards to fighting this issue.
I feel that the postcard is in breach of at least one law? and also surely the £20k is a bit steep?
Also what can be done about her ex-friend basically pocketing the money? also there was possible rumours that my wife had heard that her ex-friend was now bankrupt due to fines she had been given from benefits fraud.
Many thanks in advance.
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