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Hi everyone,
I am hope that someone can assist me please.
Hi Amethyst,
My wife had a Lloyds credit card back in 08th June 2007. Account Terminated 12th February 2009. This debt was never acknowledged by my wife at the time nor has she acknowledged this since.
There is nothing on her credit file regarding this outstanding £2,463.99. We have checked back to when they are claiming the last payment was made and we have found out that her father contacted the company at the time and offered them £5.00 per month (this was without any authorisation from my wife at the time neither written or verbally) The payment was also made from her fathers account not from Lisa's.
Am I correct in thinking that this is staute and barred or there has been a breach of data protection and both Cabot and Reston's are chancing their arm by trying to frighten her into paying this amount?
They are basically threatening her with a ccj if she does not pay the full amount by 9th December 2016. What would you guys advise as I want these scum bags gone and out of her life.
Any advice would be really appreciative, this letter landed today and its her birthday which has totally ruined her day.
Julie
I am hope that someone can assist me please.
Hi Amethyst,
My wife had a Lloyds credit card back in 08th June 2007. Account Terminated 12th February 2009. This debt was never acknowledged by my wife at the time nor has she acknowledged this since.
There is nothing on her credit file regarding this outstanding £2,463.99. We have checked back to when they are claiming the last payment was made and we have found out that her father contacted the company at the time and offered them £5.00 per month (this was without any authorisation from my wife at the time neither written or verbally) The payment was also made from her fathers account not from Lisa's.
Am I correct in thinking that this is staute and barred or there has been a breach of data protection and both Cabot and Reston's are chancing their arm by trying to frighten her into paying this amount?
They are basically threatening her with a ccj if she does not pay the full amount by 9th December 2016. What would you guys advise as I want these scum bags gone and out of her life.
Any advice would be really appreciative, this letter landed today and its her birthday which has totally ruined her day.
Julie
