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Debt Letters - 100% Not my Debt
UnknownUser1127
Posts: 10 Forumite
Hi MSE,
I've recently moved into a new property (a month or so) and have received 2 letters in my name. One from Cabot to tell me they've passed on a debtoriginally from Aqua (i'd never heard of them until now) to 'Wescot'.
The second letter is from Wescot requesting to verify my address which I'm reluctant to do since this has nothing to do with me.
What are my steps here? I believe I should be sending a Prove it letter to Cabot which I'll be doing. I believe I should ignore Wescot until they mention said debt too as they've currently just said contact us.
I have checked: Experian, Clearscore and Credit Karma for any refernce to said 'debt' and nothing showing up either. Really not sure where this has come from and a little annoyed I have to go out of my way to deal with something like this.
I've recently moved into a new property (a month or so) and have received 2 letters in my name. One from Cabot to tell me they've passed on a debtoriginally from Aqua (i'd never heard of them until now) to 'Wescot'.
The second letter is from Wescot requesting to verify my address which I'm reluctant to do since this has nothing to do with me.
What are my steps here? I believe I should be sending a Prove it letter to Cabot which I'll be doing. I believe I should ignore Wescot until they mention said debt too as they've currently just said contact us.
I have checked: Experian, Clearscore and Credit Karma for any refernce to said 'debt' and nothing showing up either. Really not sure where this has come from and a little annoyed I have to go out of my way to deal with something like this.
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Comments
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Send them prove it letters, maybe just trying it on, maybe wrongly linked your name to someone with a similar name due to poor tracing etc
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Aqua provide credit cards, the company behind them is Newday, ring any bells?
Sending the prove-it letter should get you some background information so you can ascertain whether the debt is yours or not.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Newday rings a bell (brand new AO account with them a few weeks ago) actually. The AO stuff is on a buy now pay later for a far far far more significantly less amount. 10x less infact.sourcrates said:Aqua provide credit cards, the company behind them is Newday, ring any bells?
Sending the prove-it letter should get you some background information so you can ascertain whether the debt is yours or not.0 -
Some developments I called newday and I share a name with a family member who I lived with before I moved away. Newday essentially couldn't discuss anything in that wasn't for me and wouldn't budge but sounds like it's not for me.
Will send the proove it letter.1
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