Little Advice?

Abbey89

Hey new here
I am starting to my debt free journey this year so i ordered the statutory credit report etc but there is some letters i am getting from debt companies regarding debts that are not on the file... what do i do about them? Do i pay them also? or do they not count as such any more...? im confused!!

Willing2Learn

Abbey89 wrote: »

...there is some letters i am getting from debt companies regarding debts that are not on the file... what do i do about them? Do i pay them also? or do they not count as such any more...? im confused!!

You need to check your Statutory reports from all three CRAs. The missing accounts will no doubt be with recorded with them.

I need to ask, do you recognise any of the accounts that you are receiving letters about? Do you think you owe them money?

Edit: And welcome to the forum Abbey89

Abbey89

thank you which three companies would this be please? and i dont recognise some of them at all

Willing2Learn

Abbey89 wrote: »

...and i dont recognise some of them at all

Then you need to send them a 'proveit' letter for each account that you do not recognise. 'Proveit' Letter template linked below:
https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter


And the three CRAs:
https://www.experian.co.uk/consumer/statutory-report.html
https://www.equifax.co.uk/Products/credit/statutory-report.html
https://www.transunionstatreport.co.uk/

Abbey89

Thank you i shall do this!! Could you please tell me which companies i should use to get the credit reports from?

Willing2Learn

Abbey89 wrote: »

Could you please tell me which companies i should use to get the credit reports from?

I have already edited my last post with this info...

Abbey89

Thank you

sourcrates

There is also the chance the accounts may be older than 6 years so will no longer show on credit reports, are these letters addressed to you, are the debts in your name, are you sure you dont recognise them ?

Is identity fraud a possibility, or are the letters just generic demands for payment, for example, to the addresse, or the occupier ?


The more detail, the better we can help you.