www.iva.co.uk

Hi

I've just got a letter from eversheds advising me that Goldfish have passed my account to them. The only thing is, I've never had an account with Goldfish!!
I can only guess they are the parent company of one of my crediters? Does anyone have any ideas who they represent?
My crediters are: Natwest,mbna(max rec), a&l (max rec), lombard, cahoot, morgan stanley.

Goldfish are part of the HFC Group which are actually owned by HSBC. So there is no connection I can see to the creditors you have. Seems this may be a Max mistake?

Eversheds act for Max Recovery.

The correspondence should show the creditors account number on it. Does that provide any clue?

Hi pixie,

I am unsure whether Goldfish are related to any of the creditors that you have mentioned. In fact I think that the opposite would be more likely.

If you do not recognise this debt then ask the collection agency for a copy of the Consumer Credit Agreement (this would have been signed when the debt was taken). They have to provide this for the debt to be enforceable. It may be that they have been given your name for this debt in error.

Good luck and please let us know how you get on.

Kind regards,
Terry Balfour
IVA.com

Good thinking! I've just had a search for the account number and it looks like it's Morgan Stanley! Which is good news in case of any problems down the line as they were the only ones to vote no!

Possibly they just made a mistake with the name then. The account number now makes sense!

Glad it's sorted [:)]

Hello Pixie -

I had a letter from Eversheds too today (2 in 2 days).

Yesterdays one advised me that Goldfish had sold my debt (Goldfish Credit Card) to Max Recovery and todays ALSO told me that Goldfish had sold my account to Max Recovery. Like you I was confused at first but then realised that the second letter referred to my debt with Morgan Stanley. (I remember last year I received notification that either Goldfish or MSDW were now responsible for both accounts - I assume Goldfish must have acquired my debt from MS somewhere down the line).

That makes 8 sold for me now!!!

I dont know if it is correct but - bearing in mind that Eversheds say they will also be writing to my Supervisor - I do not bother copying the letters to my IVA Company - I am sure they have enough paperwork flying around as it is!!

I still get disappointed when Creditors who voted "Yes" sell my debt - it just seems a shame.

It might make sense to, especially with the post being as poor as it currently is.

Once an account has been assigned the sooner your Supervisor knows about it, the better. I can vouch for the hassle in telling Eversheds that a dividend has been paid erroneously to the original creditor, for want of notification, so it's best to wear a belt and braces.

Ian

Thank you - I have kept all my Eversheds letters and will send copies of all these in today - my first year has gone without incident and I hope to keep things that way.

Thank you very much.

They send them automatically to the IP in any case. In my office we must get at least an inch's worth per day!

Eversheds Post Room must be a very busy place to work!!!!

A big company like Grant Thornton or Debt Free Direct must get a sackful every morning!!