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Hi,
I have received a debt letter from Cabot saying it represents Santander for approx £500. Clearscore tells me this has a default date of December 2013 (meaning it will drop off my credit file and be statute barred in December 2019). Really concerned as I am not sure that this is actually a ‘debt’ I should have incurred or should pay, I do remember having a bank (not sure if it was Santander!) account a very long time ago – but do not think I actually used it, and if memory serves me an account fee was added, which caused an overlimit fee which caused interest and charges and further of the same. I cant 100% remember the particulars, but I may have contacted whichever bank it was, stating the obvious unfairness of the charges and heard nothing until this Lowell letter.
I'm currently sending a 'prove it' letter, and I'm now wondering if they come back with a statement of account etc., and move to enforce this, is there any recourse to challenging the amount due to it being interest and charges on interest and charges? Or if the time since I queried it will help, although because of the time passed, I don't have details of my query to them :-(
Advice or insight very very welcome, thanks!
Brian
I have received a debt letter from Cabot saying it represents Santander for approx £500. Clearscore tells me this has a default date of December 2013 (meaning it will drop off my credit file and be statute barred in December 2019). Really concerned as I am not sure that this is actually a ‘debt’ I should have incurred or should pay, I do remember having a bank (not sure if it was Santander!) account a very long time ago – but do not think I actually used it, and if memory serves me an account fee was added, which caused an overlimit fee which caused interest and charges and further of the same. I cant 100% remember the particulars, but I may have contacted whichever bank it was, stating the obvious unfairness of the charges and heard nothing until this Lowell letter.
I'm currently sending a 'prove it' letter, and I'm now wondering if they come back with a statement of account etc., and move to enforce this, is there any recourse to challenging the amount due to it being interest and charges on interest and charges? Or if the time since I queried it will help, although because of the time passed, I don't have details of my query to them :-(
Advice or insight very very welcome, thanks!
Brian
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