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JimBobUK_2 Posts: 3 Newbie
7 November 2008 at 1:14PM in Debt-free wannabe
I received a letter from THAMES CREDIT stating i was in debt of £772.63 to [FONT="]GE CAPITAL ( First National Tricity Finance Ltd)[/FONT]
I dont know who they are, what this debt is!
I know its not my debt, what should i do?
Thay are asking me to pay the sum above. The letter has no details of when the debt was or what ot was for!
I would like some help on this before i call/write to this company
Thanks in advance
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fermi Posts: 40,544 Forumite
7 November 2008 at 1:24PM
There is a generic "prove it" letter here:
Or if you need them to produce a credit agreement to show that the debt is or isn't yours, then this link:
Link: Factsheet | Getting a copy of your credit agreement, account details and a statement of account.
Don't phone them. Keep everything in writing.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
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JimBobUK_2 Posts: 3 Newbie
7 November 2008 at 1:34PM
Thank you for your swift reply.
It makes me angry to know there are companies out there who use scare tactics to gain money.
Dont get me wrong, if they supply me with documents to show the debt is mine i will appologise and pay the debt but i am addiment this is not my debt.On anotther note, if this debt was due to my ex-wife, how do i stand then? i left the marital home back in 2000 and was divorced a year later (in between solicitors were involved in the split) how do i stand then?
Regards
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fermi Posts: 40,544 Forumite
7 November 2008 at 1:44PM
If the debt was solely in your ex's name, then only she would be liable.
If the debt is joint (i.e. a joint account or credit agreement) signed for by both parties, then you would be joint and severally liable for it. Meaning that a creditor would be entitled to chase either or both parties until the full amount is recovered.
See: http://www.payplan.com/debt-library/joint-and-several-liability.php
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
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JimBobUK_2 Posts: 3 Newbie
7 November 2008 at 4:12PM
With regards to your reply.If my Ex without my knowledge entered into an agreement using my name, i guess i will not be liable and she may be in trouble?
I am not saying she has but i am thinking of a worse case scenario!Like i said, if it is my debt i will pay
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R_CLUDERAY Posts: 1 Newbie
14 December 2009 at 6:05PM
i have received a letter ge capital f n t f ltd for a amount of money i do not owe wat can i do they do not wont to tell me were and when it is from
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DarkConvict Posts: 6,338 Forumite
14 December 2009 at 10:11PM
Once again send the prove it letter. They have a responsibility to prove you owe the debt, not the other way around. You shouldn't provide them any details at all, just send them the prove it letter.
To the previous comments, If your wife took out credit in your name without you knowing, this would be fraud and should be reported to the police and original creditor as soon as you are aware of it.
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