Old account shows as settled in my credit report, still being contacted for payment? Please help!

Samfothers85

Hi all, stupidly I made a few mistakes in my younger days, one of those was using payday loans. I’m much older and wiser now and thought I had sorted out all these problems along time ago. One of the companies I used years ago was called lending stream, as far as I’m aware I called them and settled the account back in 2015, it shows as settled on my credit file. I received a letter from a company called resolve call (after doing some research I can see these are debt collectors) demanding I pay them an outstanding amount of £419 that was due to my lending stream account? I emailed them last week to say this account has been settled and when I get home from work today someone has personally been to my front door and posted a handwritten card through my door demanding payment? Since my errors in my younger days my finances are all straight now, I’m a proud homeowner paying all bills on time and in full! So this worries me. Is this company just trying to get money out of me as it shows as ‘settled’ on my credit report??? Please help! Many thanks

forgotmyname

Settled because you paid it in full or settled because they sold the debt down the food chain?

Samfothers85

I just assumed that ‘settled’ meant the account has been closed. I fixed any outstanding balances on my credit report in 2015, stupidly I didn’t keep records of which companies I called and paid off any outstanding balances. Possibly I saw this account as settled back in 2015 and assumed I didn’t owe them any money. I will call them tomorrow and see if I can get some more information

[Deleted User]

Send them a prove it letter asking to prove the debt is yours.

If they continue to harass you report them to the FO