Thanks again....the issue I see here is that if indeed they have a file, it would be in the name of the real defaulter whose first name is different from mine as i mentioned before..so how can I expect to get anything from them? Many thanks

Thanks! I have just done this. I registered with experion for the free trial and this is what i got........... We are committed to protecting your personal information and therefore employ a rigorous identity verification system. Unfortunately, we have been unable to confirm your identity from the information you provided. To ensure that we can process your order as quickly as possible, please provide us with the following proof of identity: Two forms of original documentation linking you to your current address (e.g. utility bill, bank statement, solicitor's letter) dated within the past three months Plus, A copy of either your passport, both parts of your full (not provisional) driving licence or birth certificate (These documents will be posted back to you within 4 to 5 working days.) Please post this information to the following address: CreditExpert Customer Service PO Box 7710 Nottingham NG80 7WE If you have any questions, please contact our Customer Service team on 0800 656 9000 Monday to Friday, 9am to 6pm and Saturday, 9am to 1pm, or e-mail us on [email protected]. Many thanks, The CreditExpert team .....The way I read this (correct me if Im wrong) is that they are unable to link me with the London address I gave ....logical ofcourse since I while I can provide copies of my passposrt and DL, they will show my correct home address in India. All utility bills etc come addressed in the name of the company that owns the apt. Even the bank statements are now sent on email. Any further advice?.....u have indeed given me some much needed calm!...Thank a miillion!!

I agree with you.....I mentioned I have a bank account and I did give the London apt. address for this purpose. Perhaps this is how this whole thing started and so Im deemed to live here. My company cannot do anything to help...its more like a guest house for the employees/people on business etc

Thanks again Gni....I read somewhere on this Forum that if send a signed letter to the DCA then my signature can mysteriously appear on documents they send me as proof...Can this be right...I don't have the same first name as the culprit and my first name is clearly visible in my signature...I ahve also sent a stern email to there top brass. Again, I do not live or work here, I do not have any CC's issued in this country or any loans mortgage or the like ever...I should not even have a credit report in experian or whatever....Its like u having a credit report in India if u chose to visit there as a tourist??

Thanks for writing....I really can't see how this can be ID fraud or theft. The first name of the culprit and my name do not match...a bit like stacey and tracey...or John and Jon etc...also I was asked if I ever lived in X lane, wandsworth? I have never lived in this country...I dont own anything here dont work here...I should not even have any credit file at Experian....so that begs the question again....

Hi...Thanks so much for your input...it really helps! I have written to this DCA once and never had a reply and unfortunately each time I had a postcard mailing from them requesting to call them - I did....u mentioned never to call them or use my signature....seems both places Ive goofed, but I did not know better....just was doing what I thought was the right thing....will welcome any further suggestions from u..thanks!

Hi there....happy to learn of this forum. I am a frequent visitor to UK (from India)as a pure tourist and visiting friends. There has been immense mail from Westcot credit addressed to me at the apartment in London where I stay (owned by a Singapore based company whom I represent in India ) , from a Westcot credit stating that I owe a bank around 7,650 pounds on behalf of whom Westcot is acting. The Last name on the letter is the same as mine however the first name has a difference of 3 alphabets. When spoken it sounds resonably similar. Innocently I have opened this mail though now I clearly return them to sender. Now they have started sending me mail with Just my first initial which I shall admit is also the same as the real culprits. I have called Westcot several times....spelt out my full name and it was revealed that the first name they had on file was different from mine, though reasonably similar (3 alphabets in it don't exist in my first name) They claim that this could well be a "Typo". I further advised that I do not live in UK nor have I ever lived here. I have never taken any loans from any bank in the uk, do not have any credit cards in this country....just a bank account in my name where I keep petty cash for my visits. They asked by DOB and said that it matched with what they had on file and then rudely demanded that I pay the full outstanding amount. They went on to ask me what my previous address was in the UK, and needless I told them that I have neither a previous nor a current address as I do NOT live in this country nor have I ever lived here. They don't get it!! So I guess someone who lives in the UK with a same last name and just a vaguely similar first name and has a same DOB as me....and I am threatened as a toursit to UK to pay an offending UK residents bill!!. Should I laugh or squeal!!! Needless I have everything to support my home address in India where I live and Work. (passport, DL, etc etc) Utterly unprofessional, and no matter how much u try to resolve this...it just keeps on. I have even written a letter to Westcot with a copy to the MD. And now they have started sending utterly nasty threatening letters to me, many of which have been innocently forwarded to my home address in India by the resident caretaker at the London apartment. So i read them in my home country and can't help but to ponder if this is the way many other tourists get treated for debts incurred by a UK resident??? Earlier this year I had a notice at the same London address adressed with my first Initial and last name, coming from the Inland revenue with a demand for GBP 9,342 for unpaid taxes and penalties for having failed to file my self assessment for the last 2 yrs!!. This was followed by a bailiffs seizure notice....what would they seize?...I dont earn or even own anything in this country!!WOW!!! My tax domicile is India...why wd the Inland revenue be after me. I don't know what is gong on here???? I wrote to the IR and then had a 2 line letter confirming that they would update there records. Luckily have never heard from them again and I hope I don't. Pls can someone advise how I can bring this saga to an end?? Also will this affect my (Assuming I even have one in the UK!) Many thanks for your help in advance and God bless!

Hi there....happy to learn of this forum. I am a frequent visitor to UK (from India)as a pure tourist and visiting friends. There has been immense mail from Westcot credit addressed to me at the apartment in London where I stay (owned by a Singapore based company whom I represent in India ) , from a Westcot credit stating that I owe a bank around 7,650 pounds on behalf of whom Westcot is acting. The Last name on the letter is the same as mine however the first name has a difference of 3 alphabets. When spoken it sounds resonably similar. Innocently I have opened this mail though now I clearly return them to sender. Now they have started sending me mail with Just my first initial which I shall admit is also the same as the real culprits. I have called Westcot several times....spelt out my full name and it was revealed that the first name they had on file was different from mine, though reasonably similar (3 alphabets in it don't exist in my first name) They claim that this could well be a "Typo". I further advised that I do not live in UK nor have I ever lived here. I have never taken any loans from any bank in the uk, do not have any credit cards in this country....just a bank account in my name where I keep petty cash for my visits. They asked by DOB and said that it matched with what they had on file and then rudely demanded that I pay the full outstanding amount. They went on to ask me what my previous address was in the UK, and needless I told them that I have neither a previous nor a current address as I do NOT live in this country nor have I ever lived here. They don't get it!! So I guess someone who lives in the UK with a same last name and just a vaguely similar first name and has a same DOB as me....and I am threatened as a toursit to UK to pay an offending UK residents bill!!. Should I laugh or squeal!!! Needless I have everything to support my home address in India where I live and Work. (passport, DL, etc etc) Utterly unprofessional, and no matter how much u try to resolve this...it just keeps on. I have even written a letter to Westcot with a copy to the MD. And now they have started sending utterly nasty threatening letters to me, many of which have been innocently forwarded to my home address in India by the resident caretaker at the London apartment. So i read them in my home country and can't help but to ponder if this is the way many other tourists get treated for debts incurred by a UK resident??? Earlier this year I had a notice at the same London address adressed with my first Initial and last name, coming from the Inland revenue with a demand for GBP 9,342 for unpaid taxes and penalties for having failed to file my self assessment for the last 2 yrs!!. This was followed by a bailiffs seizure notice....what would they seize?...I dont earn or even own anything in this country!!WOW!!! My tax domicile is India...why wd the Inland revenue be after me. I don't know what is gong on here???? I wrote to the IR and then had a 2 line letter confirming that they would update there records. Luckily have never heard from them again and I hope I don't. Pls can someone advise how I can bring this saga to an end?? Also will this affect my (Assuming I even have one in the UK!) Many thanks for your help in advance and God bless!