wizardofid
Honorary Master
- Joined
- Jul 25, 2007
- Messages
- 12,532
- Reaction score
- 6,807
Couple of things, if an account is in dispute, you needed to do this in writing, they aren't allowed to do shyte, not legal, not any credit listing nothing. If they do, you head over to the court and open a civil case against them.I had a tenant who applied for a telephone using my name and ID no, back in 2003. Naturally enough he did not pay the bill. 3 years after he left I get a letter from these lawyers asking for R23k. Upon enquiring, I discovered what had occurred. Despite asking more than 10 times for sight of the signed application, they would not send it (because it did not exist) or acknowledge they had made an error
Next thing I am blacklisted on Experian and ITC for this. I asked the lawyers for a day in court, but they ignored it. Upon asking for proof that I owed what they were demanding, they either put down the phone or ignored emails
The blacklisting has been renewed by them twice since 2010
Secondly if they did not proceed with any legal action for the account in 3 years and you haven't explicitly acknowledged you owe them money the account has prescribed, and they may not blacklist the account, they may not even phone you any more for the account.
While you do owe them money, they are required to provide you with a signed contract or at least a verbal proof that an agreement was entered into.They are also required to give you the break down of amounts owed including legal fees, and the principal debt of the account, principal debt would be the date of which the creditor became aware of the default on the account, Interest can be added but the rule applies that they can't ask more then double the principal debt, if they do they are committing fraud.
If they can't provide you with any of those details, in writing inform them of the intention of suing them for slander with costs.