MCO Capital loan

I have recently received an Invoice from MCO CAPITAL Ltd, telling me that I owe them £513.00 (£300 for loan and £213 for fees/costs). I have never had a loan taken out with them. They seem to have messed up by calling me 'Mrs', when I'm 'Miss! Can anyone help me on what I should do, Have phoned and left an voicemail, tried to call them again about half an hour ago and got something weird that apparently its not available to talk to anyone! How convenient of them!!! Im single parent with two children and no way can pay this or have someone using my name for identity fraud!!! ANY HELP would be greatly appreciated. :mad::eek:

I too have received a letter dated 21st August 2010 but received in today's post. The letter was post marked Harlow. Again requesting payment of £513.00. If MCO are now aware of this scam its strange letters are still going out.
Very relieved to see it is a scam and I am not the only person to receive these letters. Thank goodness for Forum's like these.
I have reported it to the Police and have e-mailed MCO today who have confirmed receipt, and will refer the matter to their Customer Services dept!
No money has been taken from my bank account.
I have also been the subject of ID fraud on my credit card several months ago, this does seem to a common thread with other victims of this scam.

Hi ..

I too am distressed and upset after receiving a letter this morning from a company called HELPLOAN. The address on the back of the envelope is a PO Box 7182 in Harlow. The letter is dated London, 20 August 2010 and says I have to pay £513 before 17 September 2010.

There is a number on this letter which I rang. When I said I had not taken out any loans or even heard of this company, the person at the other end (it sounded to me like a call centre) said it was fraud. He quoted the date of birth, last 4 digits of phone number, last 3 digits of bank account and email address all used to obtain this loan - all are incorrect. The only details that are correct about this is my name and address. My marital status was also wrong.

I was told to go to the Police and get an incident number and ring them back with this incident number. I went to the main Police Station in Barnsley, who called this company saying that they could not give me an incident number as doing so would mean I have accepted liability for this debt - the fraud has been carried out against Helploan and not against me so it is Helploan's responsibility to report the fraud. Incidentally, I was the 2nd person to call into my local police station with one of these letters within that hour. I also spoke to an Inspector who said I had to write a letter to this company asking to see copies of the loan application/signature used to take out the loan in my name.

I have been upset all day regarding this, it has made me ill but am pleased that others are in a similar situation as me and I am not the only person to fall victim. Unlike others on this forum, I have not been victim of credit card fraud before and am not listed in the telephone book. We shread all our personal details and am extremely careful - I don't even use my name in email addresses or on forums - as you can see! Can't see how this has happened and hope that it will be the end of it when I don't pay by 17 September. It has made me feel a little bit better to know that it appears to be a scam but I'm still worried that bailiffs are going to turn up at my door as apparently this amount they are quoting doubles every month.

I will update my situation once I have sent off the letter that the Inspector at South Yorkshire Police told me to send. Hope that will be the end of it.