I had a report about 2 years ago which Ive misplaced. Since then I'vce had Link Financial chasing me for a debt which on this last credit report was marked as 'Settled and Satisfactory'. I want to get hold of this old report so I can make a photocopy and send it to Link so they can see that the account was settled. I do have a Report Ref Number for this particular report that I need a copy of as its only one page Im missing (the important one!!) Many Thanks!

Hello! I came on here a while back because Link were harrasing my neighbours with the old 'You need to contact a lost relative' plot. In the end they suddnenly stopped trying but recently I've had letters from Link to my boyfriends home (I have never lived there/been on the electoral register there etc) In 2002 I had a student account from the Abbey National with a £1500 0verdraft. I spent the full overdraft and once I'd graduated began paying it back. Two years into paying it back I feel ill and was in a coma for a month. In this time my mum opened my letters and sent the Abbey my medical notes and explained that this was why I had missed some payments. Abbey agreed that she could pay a fixed some for me and then that would be the end of it. So thats what she did and the account was closed never to be heard of again. Two years ago I got my credit report from Exuifax and it confirmed on there that the account had been settled. Then last week I had a call from a man from Link (God knows how he got my number??) He said I owed £669 from this same account from the Abbey. I told him this was rubbish, that I had no debt and to put anything he had to say in writing to me as I'd heard enough about their company and wasnt willing to say anything over the phone. So a few days later I had a letter addressed to my boyfriends home saying I owed this money and to send it straight to Link rather than the Abbey. I didnt reply to the letter and have since had another one saying they're disappointed I havent done anything about it. The thing is I know I dont owe this money. My credit file over 2 years ago said the account was 'Settled and Satisfied'. And finally how on earth did they know who and where my boyfriend lives to be sending me letters there?!! Im going to post both letters back and put a note inside (as if from my boyfriend) saying Im not known at this address and to stop sending letters to him for debts that have nothing to do with him or his address. I find it all very weird. Does anyone have any advice on what I should say in 'his' note? Many Thanks!

Thank you MrShed, these are both very helpful. And I really appreciate you taking the time to try and help me.

I am renting a flat through a private landlord. I recently got my first quarterly electricity bill from him for £780. I know this is too much because its a one bedroom flat which my boyfriend and I share. The problem is the bill came straight from the landlord written in Word format. It wasnt from E.ON, the electricity company he uses. We discovered we were paying business rates as part of the building (which the landlord also owns) is office space. We've been fighting this for some weeks now but he wont budge. We've asked him to send us a copy of the original itemised bill from E.ON but he won't. He has since installed a new meter. Where do we stand legally? Should we pay the bill and fight it later? He is quite shrewd and sneaky and probably thought he could make some easy money out of us.

Hello! So glad I found this forum! I entered the same number you all got (020 7793 2684) Again the same thing has happened to me as everyone else. A neighbour knocked on my door last night, said a Mike had been calling his home and wants me to call him back. We then did a Google search on the number and found this forum. So whats the best thing to do? We've told them to put everything in writing. And said we want a letter within the next 24 hours. I also know i dont owe anything. Im not at all worried because I know that what they're doing is unlawful and these types of people are absolute low lifes and can be stopped. But its just annoying that they can do things like this to people. Not just phoning my neighbours 4 times but also trying to scare people like this. Im sure there are plenty of people out there who will pay up for an easier life and because they're scared of what might happen if they dont. Its for those people that we have to fight theses bas*ards back. Im ready for a good fight! Bring it on you scumbags!!!!

Thanks so much for your reply. He definately didnt have any estate when he died. He'd already sold his house and maxed out his credit cards etc before he took his own life. I'll take a look at the websites you've sent me and then look into getting a death certificate sent to me. Thanks again!

Thank you so much. This is a brilliant group and Im starting to feel better about it already! Thanks for taking the time to reply to me!

Me and my dad have the same name. He died in 2003. Recently I've had a few letters from debt collection agencies telling me I owe money to them. I know that these are not my debts and have told them so. For a start I know they arent mine and secondly they have my dads date of birth. I've told them they are more than welcome to get a death certificate to see for themselves (my mum had the death certificate and shes now a missing person) Now the credit agencies are threatening me with sending a bayliff to my house. Surely there is some law stopping them from harassing people? Does anyone know what I should do?