Debt collectors are chasing!!

Flatericsdistantcousin

Your account: Intrum UK Finance Limited

Balance £8,401.12

Dear Customer,

We have recently contacted you regarding your Intrum UK Finance Limited account now owned by LC Asset 2 S.a r.l.. We understand that you may not be able to clear the balance today, but you do need to contact us so that we can discuss your intentions towards your balance and agree next steps to clear the outstanding balance.

Making a payment to your account

You can make payments via our secure automated payment system by calling 0330 135 5254 (Option 1), on our Website at or by bank transfer using the following bank account details:

So Link financial now "own" this debt.. But here's the problem, this debt isn't mine!!  as far i can ascertain, Link have minimal information to link me tot this debt. Name and phone number. They have written to me, to a different address! It's linked to a Halifax credit card, but i have no other details. I take it this is not unusual. obviously i want to cooperate, but how do i without essentially giving the debt agency my actual address and other information? 

They have been emailed to explain this is not my debt, but are continuing to do so alledging they explained all this in the last letter. that they sent to the wrong address. 

grumpy_codger

Just block them.
Or ask here on  Debt-free wannabe board how to reply them formally.

Nasqueron

You could send them a Prove It letter (google it, use one from a charity like Citizens Advice or a customer site like MSE or Debt Camel) which denies the debt and makes them go away unless they can show it is yours.

If you have not had a Halifax card in the last 6 years it's likely statute barred too (assuming it is yours) if you haven't acknowledged it in the last 6 years

fatbelly

There is no reason why you have to co-operate.

It's worth sending one prove-it to each new owner of the debt but not getting into protracted correspondence

The is a prove-it template inthe stickies on debt-free wannabe

Flatericsdistantcousin

Nasqueron said:

You could send them a Prove It letter (google it, use one from a charity like Citizens Advice or a customer site like MSE or Debt Camel) which denies the debt and makes them go away unless they can show it is yours.

If you have not had a Halifax card in the last 6 years it's likely statute barred too (assuming it is yours) if you haven't acknowledged it in the last 6 year

Nasqueron said:

You could send them a Prove It letter (google it, use one from a charity like Citizens Advice or a customer site like MSE or Debt Camel) which denies the debt and makes them go away unless they can show it is yours.

If you have not had a Halifax card in the last 6 years it's likely statute barred too (assuming it is yours) if you haven't acknowledged it in the last 6 years

I'm far from cooperating..

Flatericsdistantcousin

fatbelly said:

There is no reason why you have to co-operate.

It's worth sending one prove-it to each new owner of the debt but not getting into protracted correspondence

The is a prove-it template inthe stickies on debt-free wannabe

yeah i've seen those, i'm considering it down the line, but they don't currently have my address. 

Nasqueron

Flatericsdistantcousin said:

Nasqueron said:

You could send them a Prove It letter (google it, use one from a charity like Citizens Advice or a customer site like MSE or Debt Camel) which denies the debt and makes them go away unless they can show it is yours.

If you have not had a Halifax card in the last 6 years it's likely statute barred too (assuming it is yours) if you haven't acknowledged it in the last 6 year

Nasqueron said:

You could send them a Prove It letter (google it, use one from a charity like Citizens Advice or a customer site like MSE or Debt Camel) which denies the debt and makes them go away unless they can show it is yours.

If you have not had a Halifax card in the last 6 years it's likely statute barred too (assuming it is yours) if you haven't acknowledged it in the last 6 years

I'm far from cooperating..

Not sure if your replies to me and fatbelly were mixed up but a prove-it letter doesn't need to reveal an address, just send them the letter and if they cannot show you owe the debt then they will normally stop 

Brie

Sorry - how did you get this if they don't have your address?  

I'd suggest sending the prove it letter, giving your current address (they can find it easily enough) and tell them that you won't engage in any phone calls or emails so if they have that to erase it from the account immediately.  

Letter format is on the debt free wannabee forum - check the link for the SOA in my signature - that will take you most the way there.

Flatericsdistantcousin

Brie said:

Sorry - how did you get this if they don't have your address?  

I'd suggest sending the prove it letter, giving your current address (they can find it easily enough) and tell them that you won't engage in any phone calls or emails so if they have that to erase it from the account immediately.  

Letter format is on the debt free wannabee forum - check the link for the SOA in my signature - that will take you most the way there.

This is my dilemma, they started off by telephone calls, i ignored at first but once identified it is a legit company engaged further. Trouble is, they don't have much. as far as i can tell, they have name DOB possibly,  and a mobile number. 

i emailed after this, so they currently have name, phone number and email. 
So far they've refused, or have been unable to provide any other data, other than a brief explanation that the account was a defaulted Intrum Halifax credit card opened in 2009!! 

i'm not planning on giving them anymore of my data, which they could then sell on, or use to do a credit search. 

Nasqueron

Flatericsdistantcousin said:

Brie said:

Sorry - how did you get this if they don't have your address?  

I'd suggest sending the prove it letter, giving your current address (they can find it easily enough) and tell them that you won't engage in any phone calls or emails so if they have that to erase it from the account immediately.  

Letter format is on the debt free wannabee forum - check the link for the SOA in my signature - that will take you most the way there.

This is my dilemma, they started off by telephone calls, i ignored at first but once identified it is a legit company engaged further. Trouble is, they don't have much. as far as i can tell, they have name DOB possibly,  and a mobile number. 

i emailed after this, so they currently have name, phone number and email. 
So far they've refused, or have been unable to provide any other data, other than a brief explanation that the account was a defaulted Intrum Halifax credit card opened in 2009!! 

i'm not planning on giving them anymore of my data, which they could then sell on, or use to do a credit search. 

They can search you, provided they can justify it, using your name and DOB, that will be enough to find you on the credit agencies.

Just email them the letter as Brie and I have suggested