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Hi
I started receiving letters about a credit card balance that this company claim I owe them. The account, apparently, defaulted in 2004. I've had letters sent to a previous address & I more or less ignored them. My wife persuaded me to contact this company & confront them, which I did. They insist I used a card of theirs, and they then passed the debt to Ruthbridge's (debt collectors). I contacted Ruthbridges last November and told them it wasn't my debt, and they advised me to request a proof of signature, which I did. I didn't get a response, so I contacted them again & they confirmed they had received the request, which they'd forwarded to Citifinancial, and said it may take up to a couple of moths for a response from them. Today I received a demand from a different company, Scotcall, who are ' the UK's leading doorstep recovery company'(for the same 'debt'). I 'phoned them and they advised me to contact the police, which I did ( I now realise I should've done this sooner, head in sand, and all that). They have advised me to check on Experian, which I've done, and contact citifinancial. My head is now well and truly spinning (no doubt yours will be too, if you're still reading). Help please, what should I do??
I started receiving letters about a credit card balance that this company claim I owe them. The account, apparently, defaulted in 2004. I've had letters sent to a previous address & I more or less ignored them. My wife persuaded me to contact this company & confront them, which I did. They insist I used a card of theirs, and they then passed the debt to Ruthbridge's (debt collectors). I contacted Ruthbridges last November and told them it wasn't my debt, and they advised me to request a proof of signature, which I did. I didn't get a response, so I contacted them again & they confirmed they had received the request, which they'd forwarded to Citifinancial, and said it may take up to a couple of moths for a response from them. Today I received a demand from a different company, Scotcall, who are ' the UK's leading doorstep recovery company'(for the same 'debt'). I 'phoned them and they advised me to contact the police, which I did ( I now realise I should've done this sooner, head in sand, and all that). They have advised me to check on Experian, which I've done, and contact citifinancial. My head is now well and truly spinning (no doubt yours will be too, if you're still reading). Help please, what should I do??
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