Symmetric systems (bank smart)

[Shaxgax]

This is to do with Symmetric Systems, out of the blue last week we received a Balliffs letter to our address in the name of my partner of 4 years and his ex wife for an amount of nearly £2000. Now my partner has been seperated/divorced for 5 years. We have never in that time received any mail from this company or anything forwarded on from the ex wife as her postal system is the bin!!!
So we knew nothing of this debt, we goggled Symmetric Systems to see we had to contact them via email, which we have done twice, as my Partner needed to know what it was. Surprisingly no responding email from them. Next we contacted the Balliffs to say we knew nothing of the debt owed. They just wanted the money and basically used bulling tactics, so the day before they we're due to call I paid the debt.
Basically we have had to pay a £2000 debt that my partner knows nothing of to stop the Balliffs coming to our door.
This debt originates from the marital home of my partner and ex wife (she still lives there) and we have managed to find out that all correspondence had been going to the marital home except the Balliffs letter which was sent to our address.
We went to the police last time about this and other matters of fraud relating to the ex wife but they have told us it is all a Civil matter and not Criminal what a joke.
Anyway our question is, what can we do next to find out what the debt is for as we are having no response from Symmetrics.
Thanks

[R0b]

Hello

Your partner can send a subject access request to Bank Smart for all data that they hold about him. But I have to say that now the alleged debt has been paid, there is a high chance that your partner is not going to have any remedy in recovering that amount. If he genuinely believed that the debt wasn't owed by him then he should have certainly pursued those inquiries before the payment is made.

Bailiffs are unlikely to care about whether your partner is aware of the debt, their job is to collect it on the instructions of their client which in this case is Bank Smart.

The best that the bailiffs could do is attend the property but they have no lawful right (without a court order doing so) to enter your property unless you let them in or the door is unlocked. If a car is on the drive they might clamp it in some way to coerce payment but would not be able to do that if it was on finance.

Your partner may want to chalk this one up to experience.

[Amethyst]

However, there will be a CCJ behind this bailiff visit - which will affect your partners credit file for 6 years. So you might want to investigate the claim to see the if there's a way to get this set aside - as obviously he knew nothing of it until bailiffs turned up - again because it was paid it could make it difficult and you're not likely to see the money again. It's likely cancellation fees and possibly a commission from a ppi refund in joint names. First step is to call court and see if they can give you a copy of the judgment and original claim then you can work from there. A SAR to bank smart may assist if they respond at all ( they haven't been doing so a couple of complaints may be being made to the ICO from other bank smart customers dealing with claims)