Credit Agencies Random Letter (advise appreciated)

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JimmyJeffers said:
To be fair, @random is right. The debt collector can assume all they want. If you’re not liable or dispute it that 30 days doesn’t matter at all.
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Yes I cant imagine a court could enforce a debt that doesnt exist.

I've read a bit around it in the interim, as I think I mentioned earlier, both companies have a bit of form for sending out letters to people who dont recognise the debt.

I'd say the most likely option is it's been wrongly assigned. Whether its accidental or a bit more nefarious I dont know.

I'll DM you tomorrow, but I think we may wait to see if another letter comes through, and then send them a simple "prove where the debt is from" letter.

Nothing has shown up on any credit check, and we did another one this afternoon.
 

The vast majority of these letters are merely fishing exercises. They buy up debt really cheaply and then bank on a certain percentage paying up.

They prey on the fact that people get curious and reply. As soon as you reply all it does is flags you up as someone who may pay up.

The worst thing that can happen is that they apply for a CCJ but if your partner has no knowledge of the debt then you can get the original judgement set aside.
 
gwladysnight said:
The vast majority of these letters are merely fishing exercises. They buy up debt really cheaply and then bank on a certain percentage paying up.

They prey on the fact that people get curious and reply. As soon as you reply all it does is flags you up as someone who may pay up.

The worst thing that can happen is that they apply for a CCJ but if your partner has no knowledge of the debt then you can get the original judgement set aside.
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It looks either like a fishing exercise or a case of mistaken identity mate.

I've had other partners and I'd be a bit wary that something might have slipped through, but she runs her finances very tightly. She rarely takes on debt at all, like she wont even get a mobile phone contract as she doesnt want debt.

Just weighing up whether to ignore and see if they send something more precise, or go back now.

I've seen letters asking for money to be squared before, and they dont look like this one. They are clear where the debt came from, who then original creditor was etc and its laid out clearly. This letter is really vague, no mention of anything legalistic at all. Nothing like "if you dont pay by x we will seek court injunction" or whatever.

Its just really weird and was a bit freaked at 1st but listening to everyone's thoughts on here has been really useful and appreciated.
 
catcherintherye said:
It looks either like a fishing exercise or a case of mistaken identity mate.

I've had other partners and I'd be a bit wary that something might have slipped through, but she runs her finances very tightly. She rarely takes on debt at all, like she wont even get a mobile phone contract as she doesnt want debt.

Just weighing up whether to ignore and see if they send something more precise, or go back now.

I've seen letters asking for money to be squared before, and they dont look like this one. They are clear where the debt came from, who then original creditor was etc and its laid out clearly. This letter is really vague, no mention of anything legalistic at all. Nothing like "if you dont pay by x we will seek court injunction" or whatever.

Its just really weird and was a bit freaked at 1st but listening to everyone's thoughts on here has been really useful and appreciated.
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Personally I would ignore it. If it doesn't look 100% legit then replying will just mean you are likely to be targeted again.
 
gwladysnight said:
Personally I would ignore it. If it doesn't look 100% legit then replying will just mean you are likely to be targeted again.
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That's seems the consensus on a site I'm seeing mate. Others have said they have had the same from said company, letters outlining a random debt, but in a really vague way. Some say ignore it, others say ask for proof.

I think we will ignore and see if they keep sending stuff with at least a little bit of detail. It looks like a mistake.
 

catcherintherye said:
That's seems the consensus on a site I'm seeing mate. Others have said they have had the same from said company, letters outlining a random debt, but in a really vague way. Some say ignore it, others say ask for proof.

I think we will ignore and see if they keep sending stuff with at least a little bit of detail. It looks like a mistake.
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Burn their offices down.
 
gwladysnight said:
The vast majority of these letters are merely fishing exercises. They buy up debt really cheaply and then bank on a certain percentage paying up.

They prey on the fact that people get curious and reply. As soon as you reply all it does is flags you up as someone who may pay up.

The worst thing that can happen is that they apply for a CCJ but if your partner has no knowledge of the debt then you can get the original judgement set aside.
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Costs £225 to get set aside if I remember right unless qualify for fee waiver. But yeah, sound advice I think.
 

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