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Ok I have recieved a letter from Wescot Debt Collection agency saying they have been advised by HBOS Plc to collect an outstanding balance on an account.
The account in question has not been used for years, I actually can't remember when it was last active (possibly over 6 years +)and I thought it was closed as I have had no correspondence from them nor have I used the account.
The debt as it stands is £646.95, I am currently under a debt management plan which I will obviously pass this information on to however I wondered if there is anyone who knows how I can get this reduced or argue that I have had no notification of this outstanding debt prior to this letter.
Is there anything I can do?
Thank you in advance for your advise.
The account in question has not been used for years, I actually can't remember when it was last active (possibly over 6 years +)and I thought it was closed as I have had no correspondence from them nor have I used the account.
The debt as it stands is £646.95, I am currently under a debt management plan which I will obviously pass this information on to however I wondered if there is anyone who knows how I can get this reduced or argue that I have had no notification of this outstanding debt prior to this letter.
Is there anything I can do?
Thank you in advance for your advise.
