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Hi Legal Beagles,
I'll try to be precise and too the point. Basically I received a letter from Cabot Financial in December 2017 Welcoming me to Cabot Financial and stating that I owe them £650 for a previous Capital One Credit Card. As there was limited information and I have never had an account with Capital One I ignored it. In January I received another letter with a Capital One account number that stated I had opened the account in April 2007. I called Capital One to discuss this and insist that I have never had an account with them. There were able to tell me that the address it was registered to is my parents address, and although I moved out in September 2007 I would still have received any mail chasing such a debt. They couldn't tell me anything else over the phone and I requested that they send me statements of transactions to help me identify the debt or maybe if someone at that address applied in my name. The woman on the phone said that Cabot would stop chasing whilst they investigated. I never heard from Capital One again but continued to be harassed by Cabot and received a letter from Restons Solicitors in April. This letter broke down a few things about the account such as open date of April 2007, termination date of November 2012, assigned to Cabot in September 2015 and lastly an apparent last payment in June 2012. This one shocks me the most as I have no record of any debt or payments.
Yesterday I received a Claim Form for this debt which I now need to defend. I tried calling Capital One again but they say I need to speak to the Applications Fraud Department on Monday and will not discuss the account with me, even though it is in my name. Do you think they will be able to tell me where the final payment came from even after all this time?
Is there anything else I can do to shed light on what is going on? My friends have suggested that maybe a took out a store card in 2007 and forgot about it, but that still wouldn't explain a payment in 2012. Is this a matter that I should discuss with the police?
I'll try to be precise and too the point. Basically I received a letter from Cabot Financial in December 2017 Welcoming me to Cabot Financial and stating that I owe them £650 for a previous Capital One Credit Card. As there was limited information and I have never had an account with Capital One I ignored it. In January I received another letter with a Capital One account number that stated I had opened the account in April 2007. I called Capital One to discuss this and insist that I have never had an account with them. There were able to tell me that the address it was registered to is my parents address, and although I moved out in September 2007 I would still have received any mail chasing such a debt. They couldn't tell me anything else over the phone and I requested that they send me statements of transactions to help me identify the debt or maybe if someone at that address applied in my name. The woman on the phone said that Cabot would stop chasing whilst they investigated. I never heard from Capital One again but continued to be harassed by Cabot and received a letter from Restons Solicitors in April. This letter broke down a few things about the account such as open date of April 2007, termination date of November 2012, assigned to Cabot in September 2015 and lastly an apparent last payment in June 2012. This one shocks me the most as I have no record of any debt or payments.
Yesterday I received a Claim Form for this debt which I now need to defend. I tried calling Capital One again but they say I need to speak to the Applications Fraud Department on Monday and will not discuss the account with me, even though it is in my name. Do you think they will be able to tell me where the final payment came from even after all this time?
Is there anything else I can do to shed light on what is going on? My friends have suggested that maybe a took out a store card in 2007 and forgot about it, but that still wouldn't explain a payment in 2012. Is this a matter that I should discuss with the police?
