Just tried to PM you BankFodder but I get this message BankFodder has exceeded their stored private messages quota and cannot accept further messages until they clear some space.

Thanks for the reply, I am ready for action! I will PM you

I have written to them already as above, I am not sure now what else to write? Let me know what else I can write

Ok so now we have another letter from these clowns (you wont believe this..) SETTLEMENT OFFER Dear Mr BubbleGuppie, Despite our repeated requests, you have not paid the outstanding amount. We really do want to settle this matter. As a gesture of goodwill, we have been authorised by ScottishPower Energy Retail Ltd to offer you a reduced settlement of £200.00 if you arrange to pay this amount in full before 29 March 2015. If you do not contact us and make an arrangement to pay, this offer will become void and we will continue to contact you to recover the full outstanding amount. Details about how you can pay are listed on the reverse of this letter. I wont bore you with the rest of it as its the usual tripe of help and support.. I am going to ignore this one also. What I cant understand is that despite me warning them with my legal letter they still carry on? So to sum up here is the chain of letters received (for anyone interested..) 23rd December - PD First letter (Important matter that may affect your credit rating..) 08th January - PD Second letter (Please do not ignore this letter..) 13th January - I send them a strong letter - see above in previous post. (telling them where to go..) 19th January - PD Third letter - (asking to contact them based on my letter to 'resolve' the matter) 03rd March - PD 4th letter - (Urgent Action Required) 19th March - PD 5th letter - (Settlement Offer) Please let me know if I can take this matter further?

I have ignored them so far..

Oh my... well everyone I have received yet another lovely letter from PastDue (sigh) Here it is in all its glory.. URGENT ATTENTION REQUIRED Dear BubbleGuppie.. It has come to our attention that your account is now OVERDUE and this letter is a demand for payment. We have, as yet, received no payment towards this account or contact explaining the failure to make payments. If there is a reason why these payments have been withheld or unable to be made, we would be obliged if you could contact us in order to either explain the reason or come to some form of payment arrangement. If we do not hear from you by 13 March 2015 we will have no alternative than to commence with further debt collection procedures. This action can be avoided by either settling the outstanding amount immediately or contacting us to discuss your circumstances or to agree a suitable payment arrangement. Payment can be made using the methods listed on the reverse of the letter.. If you are having difficulty making payment or you wish to discuss this matter, please call a Customer Service Consultant today on ....... We will be able to offer you an affordable repayment plan that reflects your current financial circumstance. If you are experiencing serious financial difficulty it may be in your best interests to contact an organisation that offers free debt advice. Companies such as the National Debtline ........., Step Change ......... or your local CAB will not charge you for their services, Please let us know as soon as possible should this be the best course of action for you. For and on behalf of, Past due Credit Solutions... So I am not too happy about this. Once again after a few weeks another wholesome letter from a bunch of airheads... My options as I see them are 1) Ignore it totally now 2) Ignore and complain to FCA 3) Reply advising that they are harassing me for a debt I simply don't owe or own. Let me know your thoughts people!

Thanks for all the replies on this I really appreciate it @BankFodder thanks for the information, I have checked my credit report and I can see that its ok, there is nothing bad on there (well not yet..) I think I will pursue this matter further to send a clear message (sorry to sound like a politician, I cant stand them to be honest), if I can be successful at pursuing this then I hope others will also follow in this line of action. At least either way we can see how it will go. Please let me know how I can pursue this further. Thanks

Hi Everyone, A few weeks ago (23rd December actually) we received 2 letters from PastDue Credit Solutions. The letters had my name and address on them and some account numbers and references I know nothing about. Their client was also printed on there as ScottishPower Energy Retail Ltd who we have never used.. Here is the detail of the letters for reference, I have typed it all as I think its important to see how these agencies behave. IMPORTANT MATTER THAT MAY AFFECT YOUR CREDIT RATING Dear Mr/Ms BubbleGuppie.... Supply Address (Our previous rented address was printed here..) We have been appointed by ScottishPower Energy Retail Ltd to recover the above outstanding amount. To avoid any possibility of further action, we strongly urge you to repay the amount outstanding by 2nd January 2015. You can repay using any of the methods listed on the reverse of this letter. (You can guess whats printed there ) If you are having difficulty making payment or you wish to discuss this matter, please call a Customer Service Consultant today on. .... We will be able to offer you an affordable repayment plan that reflects your current financial circumstance. This may impact your credit rating Non-payment of the full outstanding balance may result in Scottish Power registering a default with Credit Reference Agencies. If Scottish Power decides to register or have already registered a default it will have an impact on your credit rating. In order to ensure Scottish Power do not adversely affect your credit rating (if they have not already) you have the following options; 1) Pay the balance of £411 in full immediately 2) Pay £100 and setup an instalment plan to pay the remaining £300 For and behalf of, PastDue Credit Solutions the letters stated that I owed 2 amounts of rather large sums of money.. Letter1 Amount - £400 Letter2 Amount - £250 Wow, that's £650 we apparently owe to some agency chasing a debt from an energy supplier we were never with. (We have been with NPower for years, EDF before that!) I called Scottish Power who asked me some questions, realised that the debt was actually for whoever lived there back in 2011 (not us) and appologised. They assured me that they would correct this in their 'back office' d that I would receive a letter from them (not PastDue). they advised I tell PastDue this also to stave off their rapid advances of assumption to which I called them up. I explained the situation to some dude on the phone, he asked for some details, I explained that the debt was not mine and that Scottish Power will 'sort it out' he just said he will put the account on hold for 1 week to see Scottish Power cancel with them. This never happened and we then received another 2 letters on 08th January 2015.. Here is the content of the letters.. (sigh...) :mad2: PLEASE DO NOT IGNORE THIS LETTER Dear Mr/Ms BubbleGuppie.. You have still not paid off the above debt. Unfortunately this means that we may recommend to our client that they should issue a claim against you in court. What this means should the claim be successful? You may owe more as the amount may then include legal costs and/or interest You may have difficulty obtaining credit, a loan or a mortgage in the future. To avoid any possibility of further action, we strongly urge you to repay the amount outstanding by 18 January 2015. You can pay using any of the methods listed on the reverse of this letter. (usual credit card, address details etc..) If you are having difficulty making payment or you wish to discuss this matter, please call a Customer Service Consultant today on 0141 951 2345. We will be able to offer you an affordable repayment plan that reflects your your current financial circumstance. If you are experiencing serious financial difficulty it may be in your best interests to contact an organisation that offers free debt advice. Companies such as National Debtline (.......), Step Change (......) or your local Citizen Advice Bureau will not charge you for their services. Please let us know as soon as possible should this be the best course of action for you. For and on behalf of Pastdue Credit Solutions So as you can see and imagine, we had enough of this now. We were being what seemed bullied by this agency for a debt we never owed. I had a look on a few forums and I sent them a reply using recorded delivery. Here it is.. Dear Sir/Madam Account No’s: ............. ............. You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to Scottish Power I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules. "A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3 "A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1 "Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3 In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions. I look forward to hearing from you. Yours faithfully Mr/Ms BubbleGuppie A week or so passes by and we then get this letter from them on 19/01/2015 Dear Sir I write in response to your recent correspondence. I understand that you are in dispute over the aforementioned account. Before we can make contact with our client, we require more details on your dispute. Our operating ours are .... Yours Sincerely ............. Admin Assistant for and on behalf of PastDue Credit Solutions So now we are not sure what we should do now? Should we call them? Ignore them? What? Can someone please advise on this? Sorry for the large post, but I needed you to see whats been going on. Its been quite a ride as you can see and to be honest it makes me sad that Britain has become like this with sharks trying whatever they can to get money out of people who don't owe it. Advice please!