I am a pensioner in my 70s and on Christmas Eve 2015 a debt collector wrote to me about a £66,000 balance owing for a property that had been repossessed over 20 years ago. The lender had obtained a CCJ at the time and I had made payments to them for 15 years, I stopped paying about 5 years ago due to a reduction in my pension in 2010 and expected them to take me back to court, however I heard nothing and I thought they had just forgotten about the debt.
As you can imagine when the letter from the debt collector came through the letterbox my Christmas was ruined, a few weeks of sleepless nights later I was on the verge of putting my current home up for sale moving into rental accommodation to release enough money pay off the debt collector.
I mentioned to a family member I would be selling my house due to money problems I had from years ago and they told me about debttactics.co.uk and I contacted them. They contacted the debt collector as my authorised representative asking several questions regarding the debt and over the next few weeks several letters were exchanged between them. Other than the standard “Your Account is on Hold” letters, the debt collector’s letters to me stopped. After around 15 months the debt collector returned the debt to the bank who had instructed them. The same questions were then put to the bank, who after six months wrote off the entire debt. The bank even sent me £200 compensation and a food hamper to apologise for the debt collection rules they and the debt collector had broken.
William G
