Letter from debt collectors about debt I don't owe - help!

Bambywamby

This morning I have received a letter from Lowell debt collection agency demanding repayment for a debt of £499.44.
I don't owe them any money and have never dealt with the company they claim I owe the debt to...(1st Credit).

So could some of you knowledgable people tell me what to do next please as I certainly don't want black listing for a debt which is'nt mine...and all the worry and hassle that goes with it.

Thank you in advance
Bam x x

fermi

1st Credit is another Debt Collection Agency (DCA).

Do you have any outstanding debts that may have been passed to a DCA? Even really old ones?

Bambywamby

No debts at all.
I did have three catalouge debts (all dealt with Moorcroft) but paid them all up eight years ago. I paid up every last penny. So I am 100% it's not a debt I owe.

Bam x x

wendy_ann1983

could you ring them and ask what the debt is for as you know nothing of it?

fermi

wendy_ann1983 wrote: »

could you ring them and ask what the debt is for as you know nothing of it?

Not normally a good idea to ring Lowells.

They are bullying bunch of imbeciles, who will try to get you to pay a debt whether it is yours or not. "Pond life" are advanced organisms compared to them.:rolleyes:

Bambywamby

I have rang them and they have said they will look into it but it hasn't made me feel at ease at all. The woman on the phone implied I must have forgotten about the debt as it is seven years old but I know I don't owe it.
Bloody debt collection agencies!!!!

fermi

This letter is suggested by National Debtline if a DCA is chasing you for a debt you don't know:

Link: National Debtline "prove it" letter

If they persist in trying to claim a debt that would have had a credit agreement, then this letter/factsheet may also be useful:

Link: Factsheet | Getting a copy of your credit agreement, account details and a statement of account.

fermi

Bambywamby wrote: »

I have rang them and they have said they will look into it but it hasn't made me feel at ease at all. The woman on the phone implied I must have forgotten about the debt as it is seven years old but I know I don't owe it.
Bloody debt collection agencies!!!!

In that case, even if it was yours then it would probably be "Statute Barred" under the Limitations act.

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

They are on to a loser by the looks of it.

It's either not yours, or probably legally unenforceable.

Bambywamby

Thank you I am printing off the prove it letter as I type.

Bams x x

**Amy**

Would it be worth checking your credit report as well?

I found a debt on there i didnt know i had.

Hope you get it sorted.

x