Collection company took my NI number?

ladydawny

Hello hope you can help.
I am disabled, often bedridden so my partner handles all the financial affairs, he is my carer 24/7. I don't mind this usually but this time Provident have 'bought' (I didn't know they were in factoring) a very old catalogue debt, rung my partner, got all our income/outgoing details over the phone (I tell him not to do that it could be anyone).

The thing that worries me most is they had him give them my National Insurance number? :(They didn't even ask me if it was okay. I am not borrowing anything from them for goodness sakes, we are paying! That number all the other info along with is enough for id theft, I am angry,:mad: why do they want this? They say we are to pay off the £4.10 a week over 52 weeks and they will come to the door for it. I don't care for that idea either as it is a flat and you can hear EVERY word in the foyer.

Can I get them to wipe my NI no. off record and if so how would I know they really had?

thanks in advance
x

CKhalvashi

How old are we talking?

If over 6 years, I'll give you some further steps.

If not, I'll tell you how to deal with it.

CK

rizla_king

That is disgraceful. report them to the OFT.

Tixy

Personally I would refuse to pay them on the doorstep.

Have they actually written to you about the debt or only spoken to your partner by phone?

Do you accept that the catalogue debt is yours? have you paid anything to provident yet? When was the last time you paid anything towards this debt to anyone?

If they come to your door then tell them you will not make any payments in person at the door and that you want all future communication to be in writing.

tallyhoh

Was the debt in your partners name as well? if not did they have permission from you to discuss the debt?

happy_bunny_2

As said earlier, when was it taken out?

When did you last pay anything?

ValHaller

Whoever is going to send a debt collector to the door for £4.10 every week? It isn't going to happen

Tixy

ValHaller wrote: »

Whoever is going to send a debt collector to the door for £4.10 every week? It isn't going to happen

Normally no, but provident maybe. As their whole business model is collecting payments on the doorstep.

Plus they'll hope to persuade any debtor to either sign up to a new loan agreement with them to repay this debt, and then incur high interest on the debt (OP do not sign anything with provident)
Or hope to sell them a new loan in the future and obtain a new ongoing customer for themselves.

spacey2012

Calm down, it is the governments NI number not "yours", no different to someone having your car registration.

Here is some protective steps.

Your signature is the most important thing you have, you just not sign anything or allow anyone to bully you in to signing anything or allow them a copy of your signature.

Next step is inform them that you "carer" does not have right of attorney over you, they are just head cook and washer-up .
That any agreement made with your carer is not your concern and if they think they have any claim, they must only communicate in writing or the phone will be put straight down and in any event they must provide absolute proof of claim.
Until they do Ignore them, do not pay anything and certainly do not sign anything and tell you carer to shut up.

spacey2012

Another point if you search for a user : FERMI , they are the unquestionable board guru on dealing with these chancer's, fermi will point you to some template letters you can send them to get them off your back once and for all, so exactly as FERMI says and they will go back under the rock they crawled from.