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Me again!!
Ok here's the story for this one!! It's a bit of a puzzle, so good luck unravelling it
About 12 years ago hubby and I managed to get ourselves into a serious amount of debt, we had a company that sorted it all out for us and we paid them a agreed amount each month and they dealt with all the companies we owed money to and agreed a repayment programme (yes I know - big mistake). Things didn't go well and the majority of comapnies decided to take us to court and get CCJ's (we were told not to worry about it, that the company would deal with it but they didn't and we had a lot of CCJ's against us) In the end i took back control of the situation but I had the added complication that some of the companies we owed money to sold/or passed our debt onto legal depts or different DCA and things got really confusing, but I thought I had managed to sort it all out and find all the people we owed money to and write to them explaining the situation and sort out a repayment plan with them. As by this time we owed so much money and i had only just given birth to our 2nd child as was ill afterwards our income was dramatically reduced so the repayments were miminal. After seeking legal advice (we were going to go for an IVA but were strongly recommended against it) we decided to re mortgage to get rid of some of the debt our home as we had a lot of equity in our property at the time. It now seems that some of the DCA have suddenly "woken up" to the fact we owe money from 6 years ago and are chasing us for it.
One such company is Thames Credit. In summer of 2006 they wrote to me and stated that we had a debt to barclays for a credit card (which i agree i did have a debt to barclays) which they have now brought from them. I phoned and explained that i thought that the debt had been paid off etc, They said if I could find evidence to support this then they would cancelled the debt . This is where my problems started - i can't find any evidence that i paid it off - in fact i don't even remember the name of the compay they said had the debt and the debt i thought it was doesn't match up, so at the time I bowed to the fact that i probably did owe the money and agreed a repayment plan with them. the added problem is i do not have the paperwork of the debt I paid off that I thought was the barclays debt - we have moved since then and it got lost in the moves.
Now that all the info regarding debts etc has come to my attention i am wondering if infact I should have disputed his debt and asked them to prove the debt was mine.
What should I do???
Ok here's the story for this one!! It's a bit of a puzzle, so good luck unravelling it
About 12 years ago hubby and I managed to get ourselves into a serious amount of debt, we had a company that sorted it all out for us and we paid them a agreed amount each month and they dealt with all the companies we owed money to and agreed a repayment programme (yes I know - big mistake). Things didn't go well and the majority of comapnies decided to take us to court and get CCJ's (we were told not to worry about it, that the company would deal with it but they didn't and we had a lot of CCJ's against us) In the end i took back control of the situation but I had the added complication that some of the companies we owed money to sold/or passed our debt onto legal depts or different DCA and things got really confusing, but I thought I had managed to sort it all out and find all the people we owed money to and write to them explaining the situation and sort out a repayment plan with them. As by this time we owed so much money and i had only just given birth to our 2nd child as was ill afterwards our income was dramatically reduced so the repayments were miminal. After seeking legal advice (we were going to go for an IVA but were strongly recommended against it) we decided to re mortgage to get rid of some of the debt our home as we had a lot of equity in our property at the time. It now seems that some of the DCA have suddenly "woken up" to the fact we owe money from 6 years ago and are chasing us for it.
One such company is Thames Credit. In summer of 2006 they wrote to me and stated that we had a debt to barclays for a credit card (which i agree i did have a debt to barclays) which they have now brought from them. I phoned and explained that i thought that the debt had been paid off etc, They said if I could find evidence to support this then they would cancelled the debt . This is where my problems started - i can't find any evidence that i paid it off - in fact i don't even remember the name of the compay they said had the debt and the debt i thought it was doesn't match up, so at the time I bowed to the fact that i probably did owe the money and agreed a repayment plan with them. the added problem is i do not have the paperwork of the debt I paid off that I thought was the barclays debt - we have moved since then and it got lost in the moves.
Now that all the info regarding debts etc has come to my attention i am wondering if infact I should have disputed his debt and asked them to prove the debt was mine.
What should I do???
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