I've spent days reading all the various posts and FAQs and I'm very tired. Lowell have been told that I dispute a debt (which isn't mine btw). They have since put a default in my credit record, and an entry giving a link to an address I've never lived at. In the short term, this has screwed up certain plans I had, and will cost me. They still want to start legal action. All of this has happened because they have linked me with a different person with the same name. I need to get rid of that [8] from my credit record - it's not even mine .

Thanks for the replies. Another letter will go off tomorrow recorded delivery, basically saying what I've said before - debt is not mine, don't acknowledge it, I won't be paying you any money, request they look at the trace again and I've added some of the other suggested comments. As far as Capital One go, I've been sending them copies of the letters that I've sent to Lowell. They basically said sorry but nothing to do with them since they sold the debt. I really can't see how Lowell can make the connection between the debtor and me - the 2002 electoral list at 192.com even has separate entries for me at my address and the debtor and all of his family at [address X]. I've got loads of paperwork including council tax etc going back over the last 10 years as proof that I've been living where I say. Just have to wait and see if they want to push it further.

Hello forum, I’ve just joined. Lowell/Red are chasing me for a debt that is not mine. They have bought a debt from Capital One for a credit card that defaulted 4 or 5 years ago and sent me a letter asking for payment. I rang them to say I had no knowledge of the debt, and they asked me if I had ever lived at [First line of address X]. I said no, I have lived at my current address for over ten years, and the conversation ended about then. I googled [First line of address X] and it turns out that there is only one road of that name in the UK. So I did a people search at 192.com using [First line of address X] and my name, and got an entry out showing that someone with my name did live at [address X] some time ago. The conclusion is that Lowell have done a faulty trace and think the person who lived at [address X] is me. I have sent them 2 letters so far that state I have no connection with the debt, I have never lived at [address X], and I was living at my current address at the time that the person that was living at [address X] defaulted on the card. However, there is a complication. Around the same time as the credit card in dispute defaulted, I did have a different credit card with Capital One of my own. This card was opened by me at my current address and closed by me several years later. This means that there will be a valid (i.e. signed by me) credit agreement with Capital One in existence. My worry is they will have requested a CCA from Capital One and will have got hold of my real CCA for my card, and not the one that was signed by the person at [address X] and will try to use this as proof that I owe the money. I have a copy of my credit report that obviously has no record of the card in question. It does show my own Capital One credit card with all zeros showing good payment history for the lifetime of the card and a settled balance of zero when I closed the card. It would appear that their case against me is entirely dependant on their faulty trace. I can prove that I have never lived at [address X] and as mentioned my credit report is clean and shows no record of the card in dispute. Despite having given them my address history and denying any connection with the debt, I have just received a letter from Red giving me 7 days to pay before “we will have to look at other ways to recover the debt possibly by commencing legal action against you which may entail a petition for your bankruptcy being sent to Court” I am worried because they have ignored the fact that I have never lived at [address X] and continue to pursue me, so they must think they have a case against me. How can they? After reading other posts, I would have delayed things by asking for the CCA, but as I’ve said above, this might work against me if things have got muddled up. I would appreciate advice on what to do next. If they take me to court, I have nothing to take there apart from my credit report and proof that I have lived at my current address for a long time! What else will I need? Will they even tell me they have gone to court? Is it likely that they will take it that far even though they must know they have the wrong person?