BPO debt collection harassment

edited 30 November -1 at 1:00AM in Credit File & Ratings
5 replies 4.6K views
carenza163carenza163 Forumite
3 Posts
edited 30 November -1 at 1:00AM in Credit File & Ratings
Does anyone have any advice what I can do about this?

A few weeks back I got a letter from a company called BPO collections demanding a payment of £1700. I called them knowing the debt was not mine and they told me it was a debt they bought from Lowell Finance and related to a default with Lloyds. After some discussion, they advised me it had been an incorrect trace, apologised and said they would send it back to the trace department.

As soon as this happened, I got my credit report from Equifax and there is nothing on there for this 'debt'. That's good right? However I have since had 3 calls from BPO still on about this. I went through the whole thing yet again with them this evening and mentioned it's not on my credit report. The woman told me the debt is definitely registered to me. I asked her if she could see my credit report, then why can they not see that I have no affiliation with the address this debt was originally registered to. She didn't have an answer to that.

I am at my wits end and with this. If this is not on my credit report, who the heck do they think I am? And how do I stop them making these calls late in the evening where we have the same conversation over and over? I'm not an aggressive person but I definitely made some threats about harassment this evening if they didn't stop the calls for a debt that's not mine. The whole thing seems almost like a scam as for an apparent debt of £1700 the letter originally offered a payment of just 40% to settle it. The whole thing just seems very weird to me, but it's worrying :(

Replies

This discussion has been closed.
Latest MSE News and Guides

Energy price cap could be extended beyond 2023

New plans have just been announced by the Government

MSE News

Cheap contents insurance for tenants

DON'T assume your landlord covers you

MSE Guides

Summer sizzlers round-up

Incl £2ish sun cream & £1.50 disposable BBQs

MSE Deals