F
Fergus
Greetings,
I don't know if this is the right group to ask this question, but it
seems the most appropriate.
Anyways, my mother is having a rather odd problem with a 12 year old
debt. I'll sum it up as quickly as I can.
- In May 1995, my mother purchases a TV and a VCR for £449.99 from a
locally owned retailer. The purchase was financed by Clydesdale
Financial Services. (they are a different company to the bank)
- The finance package would supposedly be paid off within three years.
- My mother made the requested payment of £30 on time, every month for
exactly 36 months, yet her outstanding balance never dropped below £250.
She had paid Clydesdale £1080 by then, she kept every single receipt.
- When I noticed that Clydesdale kept requesting a £30 monthly payment,
even though the original debt had been well and truly paid off I stepped
in. I couldn't make head nor tale of Clydesdale's statements, for every
£30 my mother paid, only £5 approx would come off her balance and
sometimes her balance would randomly shoot up. There was clearly
something amiss.
- I wrote to Clydesdale on my mother's behalf and asked them to correct
their mistake, they did not respond. They did however keep sending
statements each month requesting a £30 payment.
- I told my mother to stop paying. I figured she had well and truly paid
off the debt and that if Clydesdale took her to court the judge would
agree. I wrote to Clydesdale asking telling them to put up or shut up
(but not in those words of course).
That was in 1998, to this day Clydesdale are still hassling my mother.
They have used various different debt collection agencies, they even had
a man call at her door three months ago. By my reckoning statute of
limitations has well and truly passed. Yet they and their debt
collectors still send letter every week, we have three shoeboxes of
letters from them. Oh yes, and the debt is now £876.53.
Clydesdale, through one of their debt collectors even tried to pull a
dodgy trick. Last year they started sending letters claiming the debt
was owed to the local retailer from whom my mother bought the TV from.
These letters did not mention Clydesdale at all, just the name of the
local TV shop. The letter were written as if the local retailer was owed
the debt and that they had called in the debt collectors. The shop had
nothing to do with this and the owner wasn't too happy with what was
happening.
I have wrote to Clydesdale and their debt collectors ordering them to
stop hassling me ma (I now have her power of attorney), all letters are
sent by recorded delivery, but nothing every happens and the letters
keep coming. We even changed our phone number because of these people.
Should we be seeing a solicitor now? What was a minor irritation is now
fast becoming a major hassle.
Any help would really be appreciated.
Fergus
I don't know if this is the right group to ask this question, but it
seems the most appropriate.
Anyways, my mother is having a rather odd problem with a 12 year old
debt. I'll sum it up as quickly as I can.
- In May 1995, my mother purchases a TV and a VCR for £449.99 from a
locally owned retailer. The purchase was financed by Clydesdale
Financial Services. (they are a different company to the bank)
- The finance package would supposedly be paid off within three years.
- My mother made the requested payment of £30 on time, every month for
exactly 36 months, yet her outstanding balance never dropped below £250.
She had paid Clydesdale £1080 by then, she kept every single receipt.
- When I noticed that Clydesdale kept requesting a £30 monthly payment,
even though the original debt had been well and truly paid off I stepped
in. I couldn't make head nor tale of Clydesdale's statements, for every
£30 my mother paid, only £5 approx would come off her balance and
sometimes her balance would randomly shoot up. There was clearly
something amiss.
- I wrote to Clydesdale on my mother's behalf and asked them to correct
their mistake, they did not respond. They did however keep sending
statements each month requesting a £30 payment.
- I told my mother to stop paying. I figured she had well and truly paid
off the debt and that if Clydesdale took her to court the judge would
agree. I wrote to Clydesdale asking telling them to put up or shut up
(but not in those words of course).
That was in 1998, to this day Clydesdale are still hassling my mother.
They have used various different debt collection agencies, they even had
a man call at her door three months ago. By my reckoning statute of
limitations has well and truly passed. Yet they and their debt
collectors still send letter every week, we have three shoeboxes of
letters from them. Oh yes, and the debt is now £876.53.
Clydesdale, through one of their debt collectors even tried to pull a
dodgy trick. Last year they started sending letters claiming the debt
was owed to the local retailer from whom my mother bought the TV from.
These letters did not mention Clydesdale at all, just the name of the
local TV shop. The letter were written as if the local retailer was owed
the debt and that they had called in the debt collectors. The shop had
nothing to do with this and the owner wasn't too happy with what was
happening.
I have wrote to Clydesdale and their debt collectors ordering them to
stop hassling me ma (I now have her power of attorney), all letters are
sent by recorded delivery, but nothing every happens and the letters
keep coming. We even changed our phone number because of these people.
Should we be seeing a solicitor now? What was a minor irritation is now
fast becoming a major hassle.
Any help would really be appreciated.
Fergus