Random Letters from Cabot + Wescot

[SeanJ1127]

I've done a bit of googling and this forum has come up.

I've received a random £7,000 outstanding balance letter from Cabot to an address i've moved into literally a few weeks ago (with my name on) saying they've passed my account onto Wescot. Cabot mention the original lender is Aqua who i've never heard of. Following a google search it looks like a credit card company who i've never had a card with or spent money with.

A second letter from Wescot shows up at the same time with my name on saying Address Verification and to verify by XX date or they'll assume it's correct. This seems a bit backwards.

What should I do here, my grandparent has the same name as me which is the only thing I can think of and I had lived with him like 6 or so years back but that's it.

[echat11]

Hi SEANJ1127

Welcome to LB

If you genuinely don't know about the debt, then you should send a letter denying any knowledge of the debt, then it's for them to prove that you a indeed the debtor.

Amend / send the following letter to both Cabot and Westcot, make sure you get Proof of Postage.

https://nationaldebtline.org/get-inf...-not-owe-debt/

[SeanJ1127]

Hi SEANJ1127

Welcome to LB

If you genuinely don't know about the debt, then you should send a letter denying any knowledge of the debt, then it's for them to prove that you a indeed the debtor.

Amend / send the following letter to both Cabot and Westcot, make sure you get Proof of Postage.

https://nationaldebtline.org/get-inf...-not-owe-debt/

Should I send this to Wescot too who've not even told me anything about it except just to verify address?

I deffinetely do not have a £7k debt with Aqua.

[echat11]

Should I send this to Wescot too who've not even told me anything about it except just to verify address?

I deffinetely do not have a £7k debt with Aqua.

Just send it to Cabot. But be prepared to deal with Wescot, if they take your 'non response' as confirmation of address.
All they'll do is hand the account back to Cabot at some point.

[SeanJ1127]

Just send it to Cabot. But be prepared to deal with Wescot, if they take your 'non response' as confirmation of address.
All they'll do is hand the account back to Cabot at some point.

Thanks for the help, got this sorted, they're looking for a family member with the same name who lived with before turning 18 and moving away.

Happy days.

[echat11]

Thanks for the help, got this sorted, they're looking for a family member with the same name who lived with before turning 18 and moving away.

Happy days.

Well done, it might be an idea to check your credit file, make sure they haven't left anything on there.