Ok, I won't ring them. THanks for your advice. Are they allowed to check my credit file just because they want to? Don't they have to have a reason? They are sending it to my old address - I onlt got the letter because I am still having my mail redirected. The first letter came to my new address though. THese people really scare me - in my eperience they don't give up easily. Thanks again for your help.

P.S. What's DCA?

There is absolutely no reason why they should be checking my credit file as far as I'm concerned...

Hi, I'm new to this - I have a letter here from 'Pace Forward' Trading name of Tessera Credit Services. I had a letter from Rockwell last week regarding a debt owed to the Clydesdale Bank for a credit card - I have never had a credit card from them and as far as I am aware I don't owe anyone any money. I have in the past and have struggled for years to pay it all off. My credit rating has soared in the last few months and I was feeling really quite proud of myself and then this ! This letter is asking m to contact them to discuss 'a personal matter.' I have read some stuff on this site today which is a great site! I then checked my credit file and low and behold - Tessera Credit have done a check on my credit file on the 10th December! I have no idea what to do about this - should I call them? I called Rockwell after the last letter only to be told that they had the wrong person and that it wasn't my debt! Thanks for any help you can offer.