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Hi all
I have been scanning this forum and see that plenty of people have had the standard pending legal action letter from HC. I have just received one chasing a Santander overdraft for £1700. Not paid anything since 2009 but defaulted in Jan 2010 so not sb yet. They are obviously chasing because they have less than 12 months before it is sb.
Anyway I saw a really helpful post by getitforless which he had really good advice from you guys and in particular the letter he found by flamingparrot. I was just about to post this to HC and a CCA to H2H then realised this is an overdraft not a credit account/card.
How do I go about telling HC that in order for me to make a judgement on whether this debt is indeed mine I need more information (hopefully stuff they cannot provide).
The letter was dated 6th April and I only received it yesterday so the 10 days is up tomorrow so need to act quickly.
Do any of you have any advice or should I just ring and offer them £70 a month for 2 years?
Any swift help and advice would be greatly appreciated.
Thanks - J
I have been scanning this forum and see that plenty of people have had the standard pending legal action letter from HC. I have just received one chasing a Santander overdraft for £1700. Not paid anything since 2009 but defaulted in Jan 2010 so not sb yet. They are obviously chasing because they have less than 12 months before it is sb.
Anyway I saw a really helpful post by getitforless which he had really good advice from you guys and in particular the letter he found by flamingparrot. I was just about to post this to HC and a CCA to H2H then realised this is an overdraft not a credit account/card.
How do I go about telling HC that in order for me to make a judgement on whether this debt is indeed mine I need more information (hopefully stuff they cannot provide).
The letter was dated 6th April and I only received it yesterday so the 10 days is up tomorrow so need to act quickly.
Do any of you have any advice or should I just ring and offer them £70 a month for 2 years?
Any swift help and advice would be greatly appreciated.
Thanks - J
