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Not our debt
We recently received a debt letter from bwlegal who acquired the debt from JC International Acquisition on behalf of EE.
We have never used EE and when we called bwlegal, they told us the original debt was for somebody at a different address but with my husbands name. We were advised to contact the police for a crn. They laughed when we called and advised us to not bother. They have tried to call and all this has been explained but now we've received another letter.
Has anyone else had anything similar?
Comments
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I get several debt collector calls for people in UK and USA, random names. I just block and ignore. Some scams some just fishing.
EE are awful, I get someone else's emails about an account and never used EE. I can't complain as they say need account details etc lol
Keep an eye on your credit file, as I do. They are fishing - debt collection agencies are cowboys.
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Jci are well known chancers and either they or BW have done a 'tracing' exercise to find someone who matches some features of the original debtor. It may be a first name, a last name, a date of birth or a former address.
The proper response is to send a 'prove-it' letter then ignore*. There is a template in the sticky threads on debt-free wannabe
Do not phone them. Do not contact the police or a solicitor and DO NOT PAY THEM. They will eventually give up.
*This is when you've had a letter. Emails, texts and phone calls should just be ignored.
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Bw legal are easily dealt with.
Ignore any phone calls. Engaging on the phone with them achieves nothing
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Send them this template from debt line
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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I'm dealing with something similar, though just via emails, for a very ancient credit card debt.
Not only is it not mine (never used the firm enquiring) but it's statute barred.
The response is, enter all your details (no way) and the debt or account still needs to be paid. Leeches. Complaint on the way to FOS.
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As ever - you cannot complain to the FOS directly, you must complain to the firm and give them the required 8 weeks to respond.
Just send them a deny debt letter and be done with it
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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I've followed the FOS procedure - a formal complaint, which has a few more weeks until the eight have passed- and if no response is received. The FOS say I can pursue then if wanted.
I've wanted at times just to shut the door on the whole thing. The only contact I've had from them is email, so I won't send out mail unless it becomes essential - there's no indication yet they know my location, or even region.
Their approach seems as invalid and unenforceable as those random, automated letters from TV Licensing - but I won't poke that hornet's nest here!
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The solution is the deny debt letter which rejects any association with the debt and forces them to stop chasing unless they can prove it, saves hassle and the risk of it coming onto your credit record
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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Deny it, sounds good. The other one I've heard is the 'prove it' option.
The basic intent is clear - maybe there's also a template out there. I'm pretty much winding down contact for the moment - but I would only intend to paste this into an email.
If I were mailing anything, I'd book a short break in, say, Ulan Bator, post from there, just to mess with them...
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Prove It / Deny It are fairly similar (sites like debt camel or citizens advice have them) - basically saying you don't owe the money.
Prove It is more like saying you don't think they have the authority, or that the debt was paid of or indeed they have to prove they have the right person
You can also use statute barred letters if the debt is over 6 years since last acknowledgement
Basically just shutting down the debt collector so they can't keep harassing you or take further steps
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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