I have been receiving "threat-o-grams" from Debt Managers LTD, Scotcall & Wescot regarding a supposed debt to Lloyds TSB for approximately £450. I had an overdraft with Lloyds TSB but this was paid off in full (using a student loan installment paid into the account) and I then opened a new account with Bank of Scotland (Lloyds TSB were refusing to give me a student account because they said my HND college course didn't 'count', ha. Despite the regular payments of student bursary & student loan into the account). Since then there have been no payments into the Lloyds TSB account, and no withdrawals, I also didn't have any direct debits etc at all.
I imagine, if this debt even does exist (I have heard nothing from Lloyds TSB regarding the account, 2 years ago I moved address though and didn't give them my new one, I didn't see the point as the account wasn't active at all with a balance of £0 as far as I am concerned and I had no plans to ever use it again) that it has built up somehow starting from an unpaid bank charge I wasn't aware of. I can't think of any other explanation.
I ignored Debt Managers LTD, but Scotcall (I'm sure it was just Debt Managers LTD in disguise though) started threatening doorstep visits, and as I am living with my boyfriend & his parents I thought it best to do something, so I sent them the following via email:
They gave up fairly quickly, replying the next morning:
Ahh, I find the fact all their pretend employees are named after colours amusing.
I didn't hear anything else about the matter until recently, when Wescot started writing to me, and calling the house as well (no idea how they got the phone number). Now my boyfriend's parents know about it, which is embarrassing, but they agree that demanding money without explaining what the debt is supposedly for is ridiculous. If someone came up to me in the street and demanded £450 without explanation, I'd tell them to take a run & jump.
So I sent the following to Wescot by email & also in letter form for them to sign for:
Rather infuriatingly they replied the next day with the following:
Obviously I'm not going to do their own jobs for them, but I'm not entirely sure how to approach this & what to say in reply - any suggestions?