by dominoes20 » Fri Feb 05, 2010 10:57:39 AM
Just to let you know it could well be a stat barred debt and that is why they are refusing to give you any info. Interesting but the collections act states that if you havent received or if you claim not to have received something in writing then they must resend the letter to you and cease all collection activity until you have received it. I am sure that they fall under the collections act since they are acting as a third party in collecting the debt.
Again, if you can record every conversation because you have no idea how much trouble you can get these folk into. Also, it is important not to pay anything until you have the correct paperwork. If this debt is stat barred and then you make a payment you will be extending the legal timelimit.
If you are buying a home, has your mortgage broker found this item on your husbands credit. (i hope you got pre-approved)