Mods I realise that this thread should have been started in the Debt Collectors forum rather than in 'general debt'. Is there any chance it could be moved?

Thats awful. Still I dont know what I stand to gain from having an argument with BT, they have my number now so it seems pointless and to be honest Ive had my fair share on confrontational conversations today. I'll wait and see if JD bother to call again and if so I'll let them have the wrath.

Thanks for your reply. Another point i could do with an opinion about. My landline telephone number is ex-directory and I have never used it to contact Lowells, Red or JD. This morning I received a call from JD. I told them I do not waish to discuss this matter with them and hung up. 5 minutes later another person from this company called. I again told them to write and hung up. Thisa is now becoming annoying and i'm not sure if they are breaking any rules. Comments?

Ok here's the latest. I sent off the letter which basically asked them to prove that the debt was mine and heard nothing for 2 months. Now I have received a letter from JD debt recovery in Glasgow saying that thei client is anxious to settle the debt and I should now contact them. Basically totally ignored my letter to them and have now passed it another company. This is now the 3rd company that has contacted me, Lowells, Red and now JD. Any suggestions?

Ok i have slightly amended the 'what the feck' letter you kindly posted above. This seems like the best course of action for the time being.

Edit

It is s route i could go down but a lot of the letter doesnt apply to what they have written. They have clearly obtained my details from the local electoral register and as i suggested earlier in this thread im not entirely sure it is the actual debt that it could be. All i need is something for me to basically say "I dont recall this debt, can you prove it is me?" As they have also offered to halve the debt for payment now, could that indicate that they are not aware of a CCJ otherwise surely they would be pursuing the whole amount.

Ok then if this is the case what would be the next course of action? They have made no comment of the CCJ, so far they have offered to halve the debt and as i did not respond they have now threatened to send a home visit. As far as i am concerned they need to prove that the debt is mine before I take things further. Would it be best to ignore them still and see what happens? I have the CCA letter weaiting to be posted but i would rather take the correct action....

Can anyone update this with an answer?

ok i will send the letter, it seems more appropriate. If it does turn out to be me then i can send the other one you recomended. In the meantime can i raise a complaint about them?

Now this opens an interesting point. Im not sure if this is my debt as i never had an account with the bank in question (although i had one with a company they took over). They cannot prove it was my account without a copy signature and DOB. So if i ask them for the CCA they must surely be in breach of the Data protection act by sending out the document and not knowing if it is me or not?

Top man thanks! Would there have been a CCA as it was a bank account? Sorry bit slow in this corner....

as i asked before what is a CCA request?

The original letter from Lowells dated 6/9 has been followed up now by a letter from 'Red debt recovery' (same address) dated 10th sept (yes 4 days later) On monday i phoned Lowells and said i had never had a debt with the 'original creditor' which is true. Today i received a letter suggesting red had been instructed by Lowells and if i didnt contact them within 5 days they would take further action which could include 'sending a debt collector to my door to discuss settlement'. Im actually finding this rather amusing but i can see how some people could become very intimidated by this. Views? (also wouldnt mind knowing how to get these idiots off my back as they are starting to irritate me). Can i do them for harrasment?

Sorry mate you have completely lost me now. Why would i want to send them a cheque or a postal order? What is a CCA request? And is there not a different standard letter that maybe asks them to prove that the debt is mine rather than me suggesting that there may be an outstanding debt from more than 6 years ago? Anyone?