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In the past three weeks I have had four letters, one each from Teleogram, HLLegal, CapQuest and Abbey – all signed with similar nonsense non-signatures and judging by the grammar, written by the same abuser of the English language.
Letter 1 asks if I am identical with somebody of a similar name who lived at a different address.
Letter 2 threatens that if I don’t answer letter 1 they will set the investigators on to me. It also has an interesting gobbledegook sentence, “If no response is received....our client will be unable to confirm that the information supplied by the external agency is incorrect.. etc” (!)
Letter 3 (from Capquest) graciously offers to reduce my “debt” by 50%, even though they have no confirmation that I am the person they seek. It refers to contact by Abbey, who have supposedly written or sent representatives to see me some days earlier. (That didn't happen.)
Letter 4 which arrived two days after letter 3 (allegedly from Abbey) refers to a bank loan debt and says they have sold it to Capquest. It implies that I know all about this and that Abbey has been in contact with me recently (which they have not.) Interestingly although it appears to be written on Abbey notepaper, that bank is so short of money they had to borrow one of Capquest’s envelopes to send it in.
Firstly, although I lived at the address mentioned in letter 1, I left there about 20 years ago. Secondly, I did have an account with Abbey National which was closed about 22 years ago and I may have had an overdraft of considerably less than even 50% of the amount stated, which I may not have cleared – I cannot remember that far back. I have never then or since had a bank loan from anybody.
Abbey have never made any contact with me in the last 20 years.
So far I have ignored these letters. Can you please advise whether I should bother to answer them? I have no intention of phoning them but letter 3 does give an e-mail address, collections@cdrhl.co.uk which may be the easiest way to respond if you think I should. I have no intention of acknowledging any debt.
Am I correct in thinking that this matter is a complete non-event, due to statutory time limits? Is it worth me getting into correspondence with these scavengers to find out how Abbey arrive at this highly inflated insult ( I genuinely have no idea of what the original overdraft amount was but hazard a guess it was about 25% of what they say I owe.)
Any advice would be appreciated.
Letter 1 asks if I am identical with somebody of a similar name who lived at a different address.
Letter 2 threatens that if I don’t answer letter 1 they will set the investigators on to me. It also has an interesting gobbledegook sentence, “If no response is received....our client will be unable to confirm that the information supplied by the external agency is incorrect.. etc” (!)
Letter 3 (from Capquest) graciously offers to reduce my “debt” by 50%, even though they have no confirmation that I am the person they seek. It refers to contact by Abbey, who have supposedly written or sent representatives to see me some days earlier. (That didn't happen.)
Letter 4 which arrived two days after letter 3 (allegedly from Abbey) refers to a bank loan debt and says they have sold it to Capquest. It implies that I know all about this and that Abbey has been in contact with me recently (which they have not.) Interestingly although it appears to be written on Abbey notepaper, that bank is so short of money they had to borrow one of Capquest’s envelopes to send it in.
Firstly, although I lived at the address mentioned in letter 1, I left there about 20 years ago. Secondly, I did have an account with Abbey National which was closed about 22 years ago and I may have had an overdraft of considerably less than even 50% of the amount stated, which I may not have cleared – I cannot remember that far back. I have never then or since had a bank loan from anybody.
Abbey have never made any contact with me in the last 20 years.
So far I have ignored these letters. Can you please advise whether I should bother to answer them? I have no intention of phoning them but letter 3 does give an e-mail address, collections@cdrhl.co.uk which may be the easiest way to respond if you think I should. I have no intention of acknowledging any debt.
Am I correct in thinking that this matter is a complete non-event, due to statutory time limits? Is it worth me getting into correspondence with these scavengers to find out how Abbey arrive at this highly inflated insult ( I genuinely have no idea of what the original overdraft amount was but hazard a guess it was about 25% of what they say I owe.)
Any advice would be appreciated.
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