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I had credit cards debts 11years ago and I paid them all off 10 years ago. Unfortunately I threw paperwork out about 18mknghs ago. I have now received ccjs and debt collection agencies demanding money. I have started a payment plan as they were threatening ccs and bailiffs but I know I paid them. Is there anything I can do??i know they wee paid as I remortgagedmy house to pay them and not had any cards since. I paid the original companies but it looks like the balance I paid has not been updated and my accounts sold into collection companies how can I challenge these please help
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more info what companies chasing/original debt owner/ last paid / CCJ information/ defended or not -
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payment plan who with ==-???? you already paid off yeras ago you state???Comment
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Original debts were with capital one, Barclay card, I had no payment plan set up. I paid outstanding balances to clear the accounts 10years ago when I remortgaged to pay the debts. Could the debt have been sold prior to me paying and not notified when I paid original companies? Sgsfxan I do to check and challenge the payment plans that have now been set up as I don’t owe thus money but got no evidence I paid them?Comment
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how did you pay them for starters?Comment
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I paid over the telephone using my debit cardComment
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Subject Access Request to Capitol One,Barclaycard to prove as you stated you paid the original creditors in full.Comment
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Subject Access Request Letter = no fee send RECORDED DELIVERY SIGNED FOR
contact bank for old statements if they got them for that periods?Comment
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Definitely get SARs off to the original creditors, and also your bank statements from when you remortgaged and think that you settled the debts. You would need to get the judgments set aside if they have obtained them without your having received the claim forms but will need to show you have a reasonable chance of success at defending.
Any idea how you hadn't received the original claims? Were they brought at a previous address ?#staysafestayhome
Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.
Received a Court Claim? Read >>>>> First StepsComment
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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