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MissLunatic

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  1. My credit file doesn't even show this. I've recently checked it and over the years and as I'm going through a work application had the force views of my credit file and it's not on there at all. Well I don't run from debts, that's why I contacted them but I'm trying to figure out if I'm going about it the right way?
  2. I am sorry if this isn't supposed to be in here but I just want to get a few ideas and thoughts on this. I lived in central London 2010/2011 and took lending stream loans out (as far as they are concerned as I can't remember not paying them back).. ..fast forward to 2018 (I moved in 2012 and then again 2016), PRA Group contacted me about a loan (£80 - which isn't the sum but the principle that bothers me). I called PRA group and launched an investigation and complaint and then called lending stream doing the same, disputing the debt as 1) I had not heard from them via email or phone and they confirmed they still had both on file 2) I do not believe these are my debts however in case they would be (it's such a long time ago), I'm disputing that they never gotten in touch with me sooner as they said they sold it to debt collectors in 2013, so why not get in touch with me for 2 years? I asked them for proof to show me they emailed or called me trying to get this debt back. However, what is my next step and how likely is this going to be that they'll keep chasing me? My point was that if they called me in 2011/2012 I would have just paid it, no one likes debts so why would I run from it, now I don't think this is mine and it's not an insane amount but the principle is that it's crazy and 7 years ago... Thanks for all the help!
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