it wasn't email, it was sent by second class post. At first I thought it was junk mail looks really tacky. Everything about it looks unprofessional. I actually sent an enquiry email today because I phoned Moriarty and a man answered the phone, he hung up on me as I was giving detail of their letter. So I emailed them. I didn't give any information about myself though, just said I like you find what they're on about because I don't recognise neither if the companies mentioned neither the amount they say I owe.

Thank you for the reply. I really hope so Dx. I really appreciate the advice and input. If there are any development on this I'll post it on here so not only it helps me but might be helpful for another person.

never had any debt management plan. PPI claim yes. They keep ringing still and I tell them I already have. About 4 years ago though and I got about £2000 but it went to official receiver. All the companies were refusing to pay and the PPI company themselves sent me form to take it to ombudsman. I gave all information from the start to this company so they knew but still kept on working on my case. The last I heard from them was 2 years ago and they said they get their fee from the official receiver and that's the end of it. This is not them. I don't even have the paperwork I throw everything away. I don't remember the name of the company but it was not Money Junction/Curlywig.

Thank you both, Dx and Bazooka. Good advice given here. If I hear anything I shall come on here and update. Good night x

I have a very unique name and my cousins who have the same surname all live in USA. I just went on a credit reference agency and registered for the 30 day free trial. I checked my credit report. Everything seems settled, my account with my bank shown and the loan I have with my own bnck shows are all up to date. My credit score says very good, 618 out of 710. The most recent searches has been in October by a company called Insurance Initiative limited noted as General Insurance search (I don't know what for) and before that in September from Aviva and lexirisk again typed as General insurance. September was when I renewed my car insurance so I think they are legit. Nothing seems out of ordinary. All my closed accounts, like credit cards of the past say settled. DX, Just seen your post. I just used Credit Angel. I searched for credit reference agency and Credit Angel came on top.

I get what you are saying, its just I am a very anxious person and prefer to get stuff sorted. Ok if I ignore and just keep the letter and if they continue sending me letters then act? at what stage should I get further advice from advice centre? So they are Debt collection agency? sorry I am terrible at these kind of stuff. I was so shocked that I phoned and I regret it now they will keep ringing, I just have to ignore them I suppose. But can they do these stuff, like just make up a debt and go after someone for it? its fraud.

Thank you for the reply dx. No I have been living in the same address for 17 years. So shall I just go to advice centre or leave it, don't know what to do. I don't know what its about like I say in my post. I phoned the number given to enquire about the letter. How that shows I know what its about? Just ignore it? what if they take that as non replying and take further action? this is the first letter I had from these people.

Hi I have received a mail yesterday from Merligen investment limited. There are three pages in the envelope. One with Merligen investement logo and the other with £Money Junction logo. both have the same body of text which I shall copy here: 14 December 2017, Re: Money Junction limited/Curlywig Limited Your account New reference balance due [redacted] £1072.91 [redacted] £12 We give you notice that Money Junction Limited assigned to Merligen Investments Limited all of Money Junction Limited rights in to and under the above detailed account on 30 November 2017. As a result of this assignment the full amount outstanding on the accounts is now due to Merligen Investment Limited. Following the assignment of these accounts Merligen in vestments limited is the data controller of your information in respect of these accounts and has the same rights to give information to credit referencing agencies about the personal debt that you owe in respet of these accounts, for example if you have fallen behind with your payments. Your accounts are now being managed by Moriarty Law Limited and all communications and payments should now be directed through Moriarty Law Limited. Please ensure that you or your 3rd party representative who is advising you, contacts Moriarty Law Limited following receipt of this letter. They can review your circumstances and agree an affordable repayment amount. The process can be dealt with quickly over the telephone. Please contact 02031264544 and their advisors will be pleased to assist you further. Yours failfully signed: Merligen investment ltd. The other page is actually the same body of text and signed at the bottom: MoneyJunction. Now, I do not recognise the amount owed or the companies involved. I have a personal debt with Barclays Bank which is running smoothly and I have never been behind the payments. All my bills are paid by direct debit and only store card I have is with NEXT and I am paying them back on time. I rang the the 0203 number and the office was closed left a message saying I received their letter but I don't recognize the content and left them my phone number, no one has called me back. There is another phone number for Money Junction at bottom of their letter and its out of action. The 'Curlywig' I searched for on the internet and it is a PPI company. The Merligen is an investment company but I don't exactly understand what the nature of their business is, are they debt collectors? Why haven't they been more specific and say what the debt is for because I do not recognize it. I never had a demand for payment from any of these companies. Yesterday as you can imagine I was first shocked then angry then sad. But I have decided to try to get to the root of this problem that has presented itself coming to Christmas! they know when to strike, don't they? sorry to go on but I thought someone here might be able to shed some light on this matter, maybe people had similar circumstances? I am planning to phone them tomorrow as its a Monday and then perhaps go to Citizen Advice. Thank you for reading my post