I previously posted about getting a letter from Aktiv Kapital regarding a debt that I do not owe (my husband too).
Many years ago (6 or 7, perhaps longer), I paid off a credit agreement with Northern Electric for a video recorder I bought. Obviously it was less than the amount I would have paid if the agreement had run it's course (interest). It was obviously paid for, as the monthly payments were no longer requested from my bank after we had paid. It is so long ago that I would struggle to find a bank statement with payments on (and I keep bank statements for 6 years!
For some reason, a couple of years after we paid it, when we let CCCS take over our debts, this rematerialised and the CCCS started paying it out of the monthly lump sum we gave them. We don't know where it came from and I can only summise that the discrepancy between the settlement amount they gave us and the price we would have paid of the full 48 months was not wiped from their accounts.
We disputed this with Clydesdale (who bought Northern Electric's accounts) and I thought it was sorted, but obviously not as it has been passed from agency to agency and now they say they are coming to my home. I am so stressed about this, as how do I prove that I paid off the original credit agreement after this length of time?
The original dispute was over £45.96 and they claim it is £223.16 - what next? I have emailed them and told them what I have told you, but I doubt that this will help.
There is a principle at stake here - why should I pay again just because somebody plucks a sum of money out of the air and tells me I owe them?
Thanks for any help.