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  • FIRST POST
    • pwr1967
    • By pwr1967 7th Sep 17, 7:22 PM
    • 2Posts
    • 2Thanks
    pwr1967
    Payday loan taken out in my name
    • #1
    • 7th Sep 17, 7:22 PM
    Payday loan taken out in my name 7th Sep 17 at 7:22 PM
    Hello All, looking for some advice on a re-surfaced problem.
    Back in 2010 I received a letter from Pounds till payday at a previous address saying I owed them payment for a loan I took out. I have never had a payday loan.
    My name was on the front but address & postcode on the envelope was incorrect. (I assume someone tried to put a ripped up letter back together to get my details) remembering the writing across the envelope back then, it bounced around a bit before it was delivered. The letter inside was addressed to someone I did not recognise. No money went in or out of my account I had at the time so no card fraud. I contacted them to say this looks like ID fraud as someone has used my name/address and that this is not my loan/debt and was asked to get a crime ref. no. Police told me that itís the loan company that has been defrauded not me so they need to report it. I told PTP this and they put the phone down and I never heard any more.
    Now 7 years later (new address), I get a letter last week from MMILE debt collecting Ltd saying I have 14 days to agree a payment plan for £318.96.
    Sent out a prove it letter for more details, didnít sign it or put any further contact details (they have my address anyway) received a reply today.
    Parties to credit agreement
    My name, incorrect address, email address I do not recognise, & my National Ins No
    This was entered into as an electronic agreement so no hand signature.
    Hoping to get some advice here as to the best move forward to clear this up.
    thanks
Page 1
    • poppasmurf_bewdley
    • By poppasmurf_bewdley 7th Sep 17, 7:31 PM
    • 5,039 Posts
    • 5,193 Thanks
    poppasmurf_bewdley
    • #2
    • 7th Sep 17, 7:31 PM
    • #2
    • 7th Sep 17, 7:31 PM
    If you haven't made a payment or acknowledged the debt is yours for six years, then it's statute barred, no matter whether the debt is yours or not.

    Send them the statute barred letter:

    http://forums.moneysavingexpert.com/showpost.php?p=34906257&postcount=5
    "Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery." Mr Wilkins Micawber in David Copperfield by Charles Dickens.
    • pwr1967
    • By pwr1967 7th Sep 17, 8:08 PM
    • 2 Posts
    • 2 Thanks
    pwr1967
    • #3
    • 7th Sep 17, 8:08 PM
    • #3
    • 7th Sep 17, 8:08 PM
    Thanks for the reply & link to letter, really appreciate your help here. Hopefully that will be the end of it.
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