It's a shame they aren't really a private investigations firm, they would've head hunted Andrew1 and we wouldn't now have the knowledge we do.

Letter sent recorded delivery, I'll wait for their next garbage to arrive.

Unclebulgaria, Thanks for your reply, but i can state with 100% confidence that my girlfriend of many years ago was and still is a very wealthy woman, I'm still in touch with her on a regular basis. She has never even heard of the word credit, come to think of it, i wish i hadn't let her go! So that is definately out of the question, i can only imagine they have the wrong person and am certain after receiving my letter they will close the case.

I am thinking of sending them this letter.......Thoughts anyone? Dear Sir/Madam, I am in receipt of your letter dated 6/9/2010. Your comments are duly noted and copies of all your correspondence will be forwarded along with all my reply’s to the OFT along with a complaint regarding your harassment of myself. Please read this carefully, I have never held any account or had dealings with Yorkshire bank, your selves or MacKenzie Hall. You are contacting the wrong person; if you continue to contact me regarding this debt I will take steps via the courts to ensure you no longer harass me for a debt that is not mine. I am well aware that the OFT are monitoring your business practices and you have been warned about issuing demands for money from people when you are not even certain that the person you are contacting is the correct person. I note in your letter that you state “You appear to have made repayments as recently as May 2008, via our agents, MacKenzie Hall” This proves that you have the wrong person, as I have never made any payments to the above named company, or as I suspect the statement you have made is a downright lie. I suggest you do one of two things now, One is you write to me admitting that you have made a mistake, with a sincere apology for your actions and that the case is now closed or Two, you send me proof in the way of statements to back up your claims. I suggest you act on option One.

Babybear where would i get a template for this letter, bearing in mind that if i click on any link to a template letter on here it just sends me to the site's home page.

Yes i have checked my file, there has been no visit from 1st credit or any other DCA, the only footprint on it is from an insurance company when i changed my car insurance provider last year. This only highlights the fact that they are chasing the wrong person i guess.

Thanks Elsa....................Your word is my command.8)

Thanks Elsa. I'm torn between writing to them and telling them they have got the wrong person and threatening them with a complaint to trading standards for harassment or just completely ignoring them. Then again i would be better actually making an official complaint to the OFT although I'm not sure how i would go about this.

Having slept on this, I'm beginning to get really angry and frustrated. Am i being stitched up by 1st credit as they claim i have made payments to "their agents" MacKenzie Hall as recently as 2008? This is a lie as i have never dealt with either of these company's ever. They have my name, address and the address of a previous partner as they stated in their original contact letter, They also state that the "debt" is from 2003, so surely it is statute barred, but with them stating that i made payments in 2008, is that a ploy to stop it being statute barred? They will not be able to provide any evidence because there isn't any, unless they forge some documents. Do you think i will hear any more from them?

Cheers Alf, i suppose i just sit and wait now to see if they come up with some imaginary evidence. Or, preferably i never hear from the again.

What baffles me is they state that they are going to request evidence, surely if they had no evidence then why would they send me a demand for a debt in the 1st place? Also if, as they state the debt is from 2003 then surely it's statute barred anyway, and i can assure you i have never dealt with MacKenzie Hall EVER so how can they state that i payed them in 2008 when this is a downright lie?

Today i received the following letter. Thank you for your letter dated 26 August 2010. We note your assertion that you have "no knowledge" of any debt owing to Yorkshire bank. We further note your request for further information to substantiate the outstanding debt. I write to confirm we have today requested evidence of your debt from Yorkshire bank. I can confirm the outstanding amount relates to an outstanding balance, owing on what was formerly a Currant account with Yorkshire bank, later assigned to 1st Credit Limited on 11 July 2003. Once we are in receipt of evidence to substantiate the debt was shall contact you again. in the meantime we confirm the account has been placed on hold. I note you appear to have made repayments as recently as May 2008, via our agents MacKenzie Hall. Should this information assist you in identifying the outstanding debt, please contact us to arrange further payments. 1st of all as i have stated previously i have never had an account with Yorkshire bank. 2nd, I have never heard of MacKenzie Hall and have certainly never paid them anything in my 54 years, never mind 2 years ago!

Just an update, I've sent off a complaint to the OFT, I await their reply.

Thank you for that link Elsa, I'll bear that in mind if these idiots carry on writing to me demanding i pay off a debt which is obviously not mine. As i stated in my 1st post, i have never had an account with Yorkshire bank and never plan to!

Thanks for the advice everybody. Just an update, i sent them a prove it letter by 1st class post on Friday. I await their next attempt at trying to wind me up.

Thanks for your advice, I think I'll send them the letter, it would be interesting to see if they ever reply. When i click on any link it just takes me to the sites main page.

Alf, the link you've posted just sends me to another page on the forum!

Last week i got the standard letter "We are trying to contact the above named, bla,bla,bla! Today 2 letters. 1st letter reads. Re your agreement with YORKSHIRE BANK Relating to account no: ******** Balance outstanding £126.07 We write to introduce 1st credit to you. YORKSHIRE BANK has assigned to 1st Credit (finance) Ltd the full outstanding balance due under the agreement referred to above. As a result of this assignment, the full amount outstanding is due to 1st Credit (finance) Ltd immediately. As the outstanding balance is owed to 1st Credit (finance) Ltd you should not make any payments to YORKSHIRE BANK as it will take significantly longer to process the payment onto your account. To discharge your outstanding balance, you now need to to make payment direct to the appointed servicing agent 1st Credit (finance) Ltd at the above address. We ask you to contact this office immediately so we can agree payment terms with you. Failure on your part to do this will result in more formal recovery proceedings being taken against you. In accordance with the Data Protection Act 1998 we will comply with any request for a copy of the personal information about you that is held on our computer system. Send your request, along with the administration fee of £10.00 and a self addressed envelope to the above address. Please contact us on 0843 320 0000 your reference is ******* PLEASE DO NOT IGNORE THIS LETTER The second letter is offering me a 30% discount if i pay within the next 5 days. I have never had an account with Yorkshire bank EVER. To my knowledge i have never even entered a branch of that bank, i am certain they have got the wrong person. Advice please!

Cheers Bazooka...................A man who thinks exactly like i do!

Yesterday i received the exact same letter as the OP, it has my name and an address of an ex partner that i stayed at for a month over 10 years ago. I have absolutely no idea why they would contact me now.