Debt letter from Shopacheck. Not in debt!

Fuskercat
Fuskercat Posts: 50 Forumite
in Debt-free wannabe
Hope this is the right section to post in!
My partner has just received a letter from Hph ltd saying he owes £152.42 to Shopacheck?! He doesn't have any debt or loans at all and we've never heard of Shopacheck. He said he did have a provident loan of £100 back in 1998 which was paid back a long time ago.
His middle name is also misspelled on the letter. Can we safely ignore the letter as we have nothing to do with Shopacheck or Hph ltd? Thank you for any advice!
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Comments

  • Caz3121
    Caz3121 Posts: 15,542 Forumite
    Name Dropper First Anniversary First Post
    Shopacheck were (are?) doorstop lenders similar to Provident and were linked to Welcome Finance
    I would not ignore them, I would reply to them that they have contacted the wrong person (it may be the real borrower has moved and they have searched for names and addresses and assumed your partner was the borrower they were looking for)
  • Fuskercat
    Fuskercat Posts: 50 Forumite
    Is it worth sending a "prove it letter"?
  • mickaveli2001
    mickaveli2001 Posts: 2,145 Forumite
    I would send them a letter asking for signed agreements and paperwork (bilateral contract) between your husband and shopacheck. Also ask for x2 liable individuals should there not be any so that you know who to carry out private prosecutions against. This should be enough to make the vermin scurry away
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Fuskercat wrote: »
    Is it worth sending a "prove it letter"?

    Either that or ignore. Letter http://forums.moneysavingexpert.com/showthread.php?t=2607247

    Its likely just a mistrace. If not it would be statute barred. Either way they can ffff off.
    Still rolling rolling rolling...... :) <
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  • lovinituk
    lovinituk Posts: 5,711 Forumite
    Combo Breaker First Post
    mickaveli2001 wrote: »
    Also ask for x2 liable individuals should there not be any so that you know who to carry out private prosecutions against. This should be enough to make the vermin scurry away
    Private prosecutions for what?
  • mickaveli2001
    mickaveli2001 Posts: 2,145 Forumite
    For causing unnecessary alarm and distress. For demanding what appears to be a fraudulent claim. Usually there would be a directive handed down (from a manager) to an employee (2nd individual) to carry out this demand. These individuals are liable and can be taken to court. It costs around £100+ but if you are seeking damages, then these costs can be awarded to you also. You can take civil action against the company as a body corporate, but it's always better to go after individuals if possible / in addition.

    Never write these things off and just think 'phew, false alarm, they got it wrong'. They have caused alarm, and they have compelled you to act coercively (IE; utilize your time / resources) to respond and to correct 'their' mistake in order to avoid whatever action they threatened to take. You do not work for them, but if they are 'threatning' like all DCA's do then you must seek remedy
  • lovinituk
    lovinituk Posts: 5,711 Forumite
    Combo Breaker First Post
    mickaveli2001 wrote: »
    For causing unnecessary alarm and distress. For demanding what appears to be a fraudulent claim. Usually there would be a directive handed down (from a manager) to an employee (2nd individual) to carry out this demand. These individuals are liable and can be taken to court. It costs around £100+ but if you are seeking damages, then these costs can be awarded to you also. You can take civil action against the company as a body corporate, but it's always better to go after individuals if possible / in addition.

    Never write these things off and just think 'phew, false alarm, they got it wrong'. They have caused alarm, and they have compelled you to act coercively (IE; utilize your time / resources) to respond and to correct 'their' mistake in order to avoid whatever action they threatened to take. You do not work for them, but if they are 'threatning' like all DCA's do then you must seek remedy
    After one letter!!! Lets keep some perspective shall we - we're not in America!!
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    edited 18 October 2014 at 1:10PM
    More likely to land you in the stuk than bother the DCA one bit.
    Still rolling rolling rolling...... :) <
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  • McKneff
    McKneff Posts: 38,819 Forumite
    Name Dropper First Anniversary First Post
    mickaveli2001 wrote: »
    For causing unnecessary alarm and distress. For demanding what appears to be a fraudulent claim. Usually there would be a directive handed down (from a manager) to an employee (2nd individual) to carry out this demand. These individuals are liable and can be taken to court. It costs around £100+ but if you are seeking damages, then these costs can be awarded to you also. You can take civil action against the company as a body corporate, but it's always better to go after individuals if possible / in addition.

    Never write these things off and just think 'phew, false alarm, they got it wrong'. They have caused alarm, and they have compelled you to act coercively (IE; utilize your time / resources) to respond and to correct 'their' mistake in order to avoid whatever action they threatened to take. You do not work for them, but if they are 'threatning' like all DCA's do then you must seek remedy


    :rotfl::rotfl:


    I don't know how long it took you to type this but you will never, ever get that time back in your life.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • Fuskercat
    Fuskercat Posts: 50 Forumite
    Prove it letter currently winging its way to them...I'm interested to see their reply!
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