Wrong date on ‘true copy’ of agreement sent by Debt Collector

[Danica]

Hi, what to do? I asked for verification of my debt under CCA and got ‘copy’ of my loan agreement but:
1. It does not look like a copy, more like fresh print. Never mind that
2. BUT the date on it is completely wrong. It’s a year that I was nit even born yet! 1953

should I question the Debt Collector?

they have my bank details right (account number and sort code)

Is it possible that they fake it?

[echat11]

It might be that they have reconstructed it, but if they have done that, they should be 'upfront' and tell you that 'it's a reconstructed copy'.

https://www.handbook.fca.org.uk/handbook/CONC/13/1.html

I would be tempted to let them 'run' with it, simply because if the creditor decides to proceed to Court with it, then you can turn to the Judge and say 'I wasn't even born then'.

How old is the account?

[Danica]

It might be that they have reconstructed it, but if they have done that, they should be 'upfront' and tell you that 'it's a reconstructed copy'.

I would be tempted to let them 'run' with it, simply because if the creditor decides to proceed to Court with it, then you can turn to the Judge and say 'I wasn't even born then'.

How old is the account?

I was just reading about reconstituted copy. I don’t suppose you know what is a MUST information on ‘true copy’ aka reconstituted copy?
Google says they don’t pay much attention to signature or date.

I think the amount of credit should be correct. In this case I think it’s wrong too. (says:
Amount of credit - £650
Loan fee - £100
Total Amount - £999 …… I mean…. does not add up!!)

According to their print of transactions it’s 2017
Their ‘True copy’ says 1753 lol (I made mistake in original post saying 1953). Although they added correctly Amount of Credit and Loan fee on this print £750

I’ve got still left £200 ish to pay. Was thinking about writing to them and confront them about it and at the end give them silly offer like £30 and ask to write rest off.

Not sure what strategy should I take. I know it’s a waiting game and I’m extremely impatient and would love to get this debt out of my way and focus on rest of other debts, that are significantly higher

[Danica]

Just found this on other thread
“the courts dont pay much attention as long as the s78(1)(a-c) info is there thats all they worrry about:

(a)the state of the account, and

(b)the amount, if any currently payable under the agreement by the debtor to the creditor, and

(c)the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.”

Not really sure what exact information would that be help

[Matty B]

Not sure what your credit file is like but if you stop paying they will hit you with a default and screw that up for you. Is it worth it for £200. You could of course tell them and make a F&F offer 'as a gesture of good will'

Who was the loan with?

Also remember along with the loan fee and the amount of credit should be the cost of credit (interest) and interest rate

[Danica]

Who was the loan with?

Also remember along with the loan fee and the amount of credit should be the cost of credit (interest) and interest rate

Loan is with RateSetler. And Debt Collectors seem to have all the numbers like loan fee, interests etc.

Although I started a new thread. It’s related to this one. They’ve sent me transaction list of all payments along copy of agreement. But as closing balance they put £0.00 instead of £200
Clearly mistake on their behalf. Could I hold that agains them? Or can they back out and stick to £200?



I’m new to this. My credit score is super low due to other debts that are over 20k so don’t think it can get any lower.

My main priority is to settle them all at lowest rate possible…