Letter from Lowell

Ladyra

joannaspanner wrote: »

Hopefully someone better can advise you, don't stress honestly, these fishing letters are very common and they send them to anyone with the same name hoping they find who they are looking for, I basically told them it wasn't me, I have no debt, mistaken identity, and any further communication chasing this debt would result in immediate legal action against them ( I did ask that they write back to me so I had confirmation from them in writing that they did infact make a mistake)

xx

Thank u Joanna Im trying not to stress but everything seems to be out to get us at the mo lol

joannaspanner

fermi wrote: »

I would also be checking your credit reports as a matter of urgency given that.

If there was a default associated with this account, then it may now have falsely ended up on your credit report.:eek: If anything, that could be a bigger issue than a dumb !!! debt collector chasing a debt you don't know.

If you don't owe a debt, you can more or less tell the debt collector to burger off.

But if there is a default on your credit report, then you need to register formal disputes to get the thing taken off so that it doesn't screw your credit record.

Definitely, this happened to me, about 6 different defaults and a CCJ which belonged to someone else, grrrrrr

joannaspanner

Ladyra wrote: »

Thank u Joanna Im trying not to stress but everything seems to be out to get us at the mo lol

I know it's very stressful love, but as other people have said, if its not him then it will get sorted xx

fermi

Ladyra wrote: »

Would Lowell really report fraud to the authorities for us or just ignore it??? confused lol

Probably not, as they are unlikely to want to admit that they or their client has been a victim.

If you think this is a case of ID fraud, then you can report and get a case number yourself from ActionFraud.

http://www.actionfraud.police.uk/fraud_protection/identity_fraud

Quoting that to Lowell should make them realise that you are serious.

Ladyra

fermi wrote: »

I would also be checking your credit reports as a matter of urgency given that.

If there was a default associated with this account, then it may now have falsely ended up on your credit report.:eek: If anything, that could be a bigger issue than a dumb !!! debt collector chasing a debt you don't know.

If you don't owe a debt, you can more or less tell the debt collector to burger off.

But if there is a default on your credit report, then you need to register formal disputes to get the thing taken off so that it doesn't screw your credit record.

Ok thanks Ill get him on that, he's never really had a good credit rating as he was late on credit card payment a few times but that was a few years ago now, we just kind of got used to it being rubbish :S

joannaspanner

Ladyra wrote: »

Ok thanks Ill get him on that, he's never really had a good credit rating as he was late on credit card payment a few times but that was a few years ago now, we just kind of got used to it being rubbish :S

but there is a difference between debts that are his and debts that aren't ;-)

bargainbetty

Remember, you can also include a note in the letter that revokes their implied permission to visit your property. Just tell them that you refuse them permission to visit without a prior appointment and you have no wish to make any such appointment.

Baliffs have to be appointed by courts after a judgement has been made under law. Debt collectors have less rights than the postman and can quite easily be told to sod off. Call the police, leave them on the doorstep or make funny faces at the window if a DCA turns up, you are under no legal obligation to let them in, even if you do owe them money - in this case, just deny knowledge of the debt, demand proof on their part, refuse to let them visit you and note that they are obliged under law to either prove it or back off, noting on the record that the debt is not yours.

Good luck

Ladyra

Thanks for all your replies, we're doin the prove it letter and also applied for a credit check too, should get that in a couple of days. My mother in law is also a littlewoods cat agent (she gets lots of commission lol) she said she will ring them to see if she can get any advice from them, not sure whether data protection will let her but worth a try.

Thanks again for all your advice, Im feeling calmer now lol

vax2002

Do not put a signature on any letter !
Treat them as fraudsters who will falsify documents if they get hold of it !
If you feel you must sign it use a X

joannaspanner

vax2002 wrote: »

Do not put a signature on any letter !
Treat them as fraudsters who will falsify documents if they get hold of it !
If you feel you must sign it use a X

good idea!!