Owing money I don't know about

naynay123

I got a letter from intrum saying I owe money for a Halifax account but I never owed a Halifax account. What do I do

Mark_d

Have you checked your credit report with the three main credit reference agencies?  This should hold records of which banks etc. you owe money to (if any).

You could call Intrum and ask for details of the account for which money is owed.  Potentially is a company which Halifax took over.  Maybe it was an affiliate credit hard which was provided by Halifax.

sourcrates

Don`t call anyone, not a good idea, ever.

Send the PROVIT Letter to them, first step when anyone writes to you asking for money -

Letter when you know nothing about about the debt - AKA "Prove it" letter — MoneySavingExpert Forum

Keep everything in writing, send a proper letter, as legally it is deemed to be from the person in question, unlike an email, for example, which could have been sent by anyone.

Debts are sold sometimes with scant information attached to them, this may be your debt or it may be a mis-trace, hopefully the response will tell you more, post back when you have heard from them.

sparks_2023

Have you ever had an account with Leeds Permanent or Birmingham Midshires ? These were merged with/acquired by Halifax and accounts potentially re-branded as Halifax ones.

naynay123

No never heard of any of these

naynay123

sourcrates said:

Don`t call anyone, not a good idea, ever.

Send the PROVIT Letter to them, first step when anyone writes to you asking for money -

Letter when you know nothing about about the debt - AKA "Prove it" letter — MoneySavingExpert Forum

Keep everything in writing, send a proper letter, as legally it is deemed to be from the person in question, unlike an email, for example, which could have been sent by anyone.

Debts are sold sometimes with scant information attached to them, this may be your debt or it may be a mis-trace, hopefully the response will tell you more, post back when you have heard from them.

Thank you this is very helpful will send this and wait to see I have checked credit agencies although a few years back but there was nothing I wasnt aware of

Brie

Don't forget that even if someone comes back with "yes here's the paperwork and the debt is from 2017" you wouldn't have to worry about it as it would be time barred.  If you haven't known about it, haven't agreed in writing that you owe it, then they can't collect and can be told to butter off.   So this is why you need to be careful how you phrase anything in writing no "I think I owe something", just stick to the "prove I owe what you say".  

polarbears12

Have you checked your credit file to see all accounts and account history? One of my friends had a similar issue and it turned out someone had opened an account in her name - not sure of the details of it or how it was able to happen though, but definitely have a careful check through your report to make sure no strange activity.