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Pursuing the wrong person
DoddleBug
Posts: 1 Newbie
Hi,
Newbie here so apologise if this is in the incorrect section.
Last week I received a letter from 1st credit saying that they were trying to contact someone regarding a personal matter. So I called the number on the letter.
What I got was a very rude lady on the end telling me I owed about £500 and that I needed to make a payment that very second else they would take me to court. When I asked what the alleged debt was for, she told me that it was a catalogue company. Again she asked me to pay, again I said no as it wasnt my debt. After a bit of backwards and forwards of me telling her it wasnt my debt, she informed me that the account would be put on hold for 7 days until I decided how I wanted to make payment! She was really rude and even though it is not my debt, made me quite upset.
Anyhow, not letting them beat me, I looked on the internet and found a template letter, which I sent with my £1 postal order, asking for the signed copy of the letter. I also went online and got my credit rating, which turns out is really rather good, with no searches within the last year, making sure that fraud wasnt a chance.
This debt is clearly not mine as it is not the correct name on the letter the sent (just the same initial and part surname) and I have never had a catalogue, let alone bought from one in my life. I have also since found out that they chase people with similar names in the hope that someone will respond - stupidly I did.
Has anyone else had this/ something simialr happen to them?
Many thanks in advance for info/ responses!
Newbie here so apologise if this is in the incorrect section.
Last week I received a letter from 1st credit saying that they were trying to contact someone regarding a personal matter. So I called the number on the letter.
What I got was a very rude lady on the end telling me I owed about £500 and that I needed to make a payment that very second else they would take me to court. When I asked what the alleged debt was for, she told me that it was a catalogue company. Again she asked me to pay, again I said no as it wasnt my debt. After a bit of backwards and forwards of me telling her it wasnt my debt, she informed me that the account would be put on hold for 7 days until I decided how I wanted to make payment! She was really rude and even though it is not my debt, made me quite upset.
Anyhow, not letting them beat me, I looked on the internet and found a template letter, which I sent with my £1 postal order, asking for the signed copy of the letter. I also went online and got my credit rating, which turns out is really rather good, with no searches within the last year, making sure that fraud wasnt a chance.
This debt is clearly not mine as it is not the correct name on the letter the sent (just the same initial and part surname) and I have never had a catalogue, let alone bought from one in my life. I have also since found out that they chase people with similar names in the hope that someone will respond - stupidly I did.
Has anyone else had this/ something simialr happen to them?
Many thanks in advance for info/ responses!
0
Comments
-
Oh dear, 1st crudit strick again.
Just make sure that they do not ring you again and keep an eye on your credit checks in case they try anything silly.If you've have not made a mistake, you've made nothing0
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