GOdebt chasing me for a loan i paid over 5 years ago and no longer have the records

[benh1965]

Hi,

Could anyone help me please. I have recently received a letter from GoDebt saying they are chasing me for £440 punds for a dell computer. I originally re-paid this on a monthly Direct debit but when I changed banks the dd did not change and I was then chased by Westcot for settlement. THis was made but it was five years ago and since then I have lived in France and for the past two years back in the UK.

I have asked Godebt for proof and they say I have to contact CCI CIT direct and request a Subject Access Request Notice along with the statutory fee of £10.00 which is unbelievable!

I have emailed Westcot to ask for all documentation regarding my case.

 

Is this a [problem] and if not what should I do. GoDebt do not appear to have a great reputation from posts I have read!

Many thanks in advance.

 

ps I was told the following in an email;

Dear Mr. benh1965

 

The matter was passed to ourselves by CIT Group, however, the only companies I am aware of who may have acted on behalf of CIT would have been Interim Injustica or Westcott.

 

Your statement ran until 14/10/2005 so I would assume that any settlement of the account would have been after this date if you are able to check you banking records. How was the payment made? do you remember the amount paid?

 

Regards

 

David Taylor

Supervisor

Go Debt Limited

Edited February 2, 2011 by ScarletPimpernel
remove identifying details

[ScarletPimpernel]

I have removed your name from your post.

 

It is for GoDebt to prove that the debt exists, and that you owe it, not the other way around.

 

I'd write to them:

 

Dear Sirs

 

I refer to your letter/email dated xxxx. I do not acknowledge any debt to you or any company you claim o represent.

 

The account in question was paid in full, and I consider that your suggestion that I should produce evidence of this amounts to misleading communication as defined by the Office of Fair Trading Guidance on Debt Collection. I also consider that your actions to date are in breach of the Consumer Protection from Unfair Trading Regulations 2008. You must be aware that it is for you to prove that a debt exists, and not the other way around.

 

I do not expect to hear from you again, and will treat any further demands for payment as harassment and report the same accordingly.

 

Yours etc.

[Bazooka Boo]

Use their missive to line the budgy cage, or feed it to the hamsters.

[benh1965]

I have removed your name from your post.

 

It is for GoDebt to prove that the debt exists, and that you owe it, not the other way around.

 

I'd write to them:

Many thanks for your advice! I am annoyed that they have my details and wonder how they got them. How can one debt collecting agency get details from one that has been paid or do they just buy the details?

Anyway many thanks again, I will send this letter to them and expect to hear nothing else!

Benh1965