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Provident Personal credit
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greetingsearthling
Posts: 10 Forumite
Hi all,
this is my first post and not sure if it is in the right place. We have received 2 letters from Provident Personal credit stating that we owe £274.40 and £332.14 for a GUS home shopping account that was previously dealt with by Wescot.
We first received a letter from Wescot at least five years ago notifying that the debt was outstanding. Upon the advice of the CAB a letter was sent to them to say that the debt was nothing to do with us as the surname was similar but not the same, legal action was threatened. Told them that we had never used GUS Home shopping.
We didnt hear anything from them for about 3yrs and lo and behold 2yrs ago we had another letter from them. I phoned them a few times to say the person named on the letter didnt live here, and they eventually agreed to take our name off their files.
We thought it had all been sorted until this week when we received these letters from Provident. They are offering us a repayment plan for a debt that is not and has never been ours. The letter says that "a friendly local agent" will call to our home and discuss repayment plans.
We are not sure of the next step, do we call the number on the letter and start the whole thing again that its not our debt and not even registered under our name. Do we ignore the letter and wait and see if they come around or send them a letter with all the previous correspondence with Wescot proving the debt is 100% not ours.
Any help and suggestions would be much appreciated.
Thanks
this is my first post and not sure if it is in the right place. We have received 2 letters from Provident Personal credit stating that we owe £274.40 and £332.14 for a GUS home shopping account that was previously dealt with by Wescot.
We first received a letter from Wescot at least five years ago notifying that the debt was outstanding. Upon the advice of the CAB a letter was sent to them to say that the debt was nothing to do with us as the surname was similar but not the same, legal action was threatened. Told them that we had never used GUS Home shopping.
We didnt hear anything from them for about 3yrs and lo and behold 2yrs ago we had another letter from them. I phoned them a few times to say the person named on the letter didnt live here, and they eventually agreed to take our name off their files.
We thought it had all been sorted until this week when we received these letters from Provident. They are offering us a repayment plan for a debt that is not and has never been ours. The letter says that "a friendly local agent" will call to our home and discuss repayment plans.
We are not sure of the next step, do we call the number on the letter and start the whole thing again that its not our debt and not even registered under our name. Do we ignore the letter and wait and see if they come around or send them a letter with all the previous correspondence with Wescot proving the debt is 100% not ours.
Any help and suggestions would be much appreciated.
Thanks
0
Comments
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It seems a bit odd that Provident are apparently chasing a debt that does not belong to them. I have not heard of this - they usually either chase their own debts or pass them on to a dca like Wescot.
As you say the debtor's name is similar but not identical to yours, and it's not your debt, I'd probably mark the envelope 'not known at this address' and send it back to them.0 -
When this debt Allegedly from?
If it been more than 6 years wouldnt it be statue barred now?
Request a copy of the statement of accounts or the credit agreement relating to the debts.
Just dont admit to them being yours. (i appriecate that there not)Im an ex employee RBS GroupHowever Any Opinion Given On MSE Is Strictly My Own0 -
It seems a bit odd that Provident are apparently chasing a debt that does not belong to them. I have not heard of this - they usually either chase their own debts or pass them on to a dca like Wescot.
As you say the debtor's name is similar but not identical to yours, and it's not your debt, I'd probably mark the envelope 'not known at this address' and send it back to them.
I have exactly the same problem. Received a letter last week saying I owe for an old debt (not mine) and so filed the letter in the shredder. Got home last night to find a leaflet through my door offering me a payment plan from a doorstep DC I presume. It would appear that Provident have an enterprising idea in the recession to offer ludicrous payment plans and to expand their business during the credit crunch.
I wonder though what is the best approach from here? Do I go round the houses again with letters asking them to prove the debt or s*d off or should I just cleverly point out that as they have no right to demand a credit "arrangement" with me I will not acknowledge them and politely tell them to go and jump if they can't prove my mistaken identity?
The letters I receive have started coming since I got married and changed my name (they've obviously jumped on the phone book and picked out the next likely mug with the same name and are going on the off chance that I will cough up)0
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