There is certainly another reasons why your debt might beвЂ“ that is unenforceable the creditors cannot produce the CCA agreement for the financial obligation.
I experienced a loans that are multiple moneyshop last year. My payment that is last was using them chasing for re payment onwards. In 2013 there records show i made some repayments using a commercial collection agency company equidebt so that they took the account in those days my payments ceased once more end of 2012. They used a standard (precise date uknown we have expected because of this information yet to gotten to but thet confirm has arrived down credit history as passed away 6 years since applied this). In 2016 i suggested on phone I became liaising with action modification and will also be in contact which i didnt. 2017 call made they refused by me to the company wanting to raise a complaint under affordability remit. No contact created using me personally by the ongoing company after this between 2017 and 2019 financial obligation and default taken out of my credit history as time passed. Then april 2020 passed debt to CRS appropriate threatning me with appropriate action. we have tried to challenge this over e-mail, june 20 perhaps perhaps perhaps not acknowledging financial obligation but acknowledging previous loans asking for affordability claim to be looked at once more and seeking details of said financial obligation they state i owe. Read More