Historic Debt...Help

nicola_81

Hello there,

I have come home from work today to a letter, which contained 2 letters. 1 from a company called Intrum and the other called Resolvecall.
Now I have never heard from either of these companies.
On opening this letter it regarding a Debt for £4643.21 regarding a Halifax account, no account number just a reference number.

Now I'm currently 42 years old, turning 43 in May. I got into a little bit of Debt when i was younger, in my very early 20 when I was made redundant. I tried to claim on the insurance which I had taken out, which they refused to activate.
I asked for my payments to be reimbursed for the payment protection I had paid if they was not prepared to access the policy which they refused.
Never had PPi Back or anything like this. They took my card and closed the account. 

We went to n fro them asking for the money me asking for the payment protection policy payments to be reimbursed. Then they stopped.

In 2006 I had to open a bank account with Nationwide. A basic bank I believe this was to receive benefits June 2006. 

A few years later a Natwest account also. I still have both to this day.

Once I got back non my feet I contact my creditors and arranged payment plans.

Never had anything to do with or correspondence with the Halifax since.

I will have been at my current property for 6 years in July 2024, previous property 2 years, previous property 2 years, previous property 11 years. No other addresses no alternative names.

Today February 13th 2024 came home to a letter demanding I contact then for a Halifax debt of £4643.21

I have tried as hard as I can to recall that amount and I don't, not anything of that value. 
I did have 1 large credit card (vanquis) which I have a payment plan in place and pay by standing order once a month.

Where do I start?
There has been no correspondence whatsoever ever, I don't even know where to begin?
It's almost 20 years since I had a Halifax account.

Any advice, anyone?
Nicola

sourcrates

Duplicate post.