Thank you all for your replies. I am going to take your advice and ignore them from now on. They have acknowledged my complaint letter, but not answered unsurprisingly... What do I do if there is anything on my credit file for this? x

Hi all This is my first post - I saw several other threads regarding this lot and thought someone would be able to help? I got a letter last week from Link Financial saying that a credit agreement had been taken out in my maiden name, but at a different address, and asked me to contact them. As I have had many ID fraud issues in the past with ex-husband (who is an utter *****) setting up, using and defaulting on credit in my name, I was pretty concerned and made the call - stupidly, without checking who they were first. Bad move. They asked me to confirm DOB, which I did without thinking - next thing I knew they had linked up my new married name, DOB etc to a debt they have bought from Abbey. I got the "official" pay up or else letter on Tuesday, so I went and checked out the details in an Abbey branch. The debt does exist, so does an account in my maiden name, but with my address listed as a previous address and the current addess at the other end of the country. Abbey agreed that because I had a legitimate mortgage on my current address with them until 2007, it was fairly unlikely that I would be defaulting on an account a few hundred miles away!! The disputed account was taken out in 2000 and defaulted on in 2004, and this is the first I have ever heard of its existence - in some ways it would have helped if I had known, because it could have helped the police get the evil ex convicted of deception!! Anyway, I was so cross I wrote a complaint to Link last week, just to make the point about their underhanded methods and the bullying techniques employed to scare people into paying up. I knew that this wouldnt help much, but it made me feel better at the time. Now I am concerned that I have given them more information, which they can use against me in their unscruplious ways. The Abbey advised me to call them again, to again dispute the debt. I called this afternoon, and the chap at Link advised me to write formally to them again, citing Section 77/78 to get a copy of the original agreement from Abbey, and giving them the police investigation references from 2006, when I found out what the ex had been up to and reported him. I have also, on Abbey's advice, contacted the credit reference agencies today, just in case! Having read more about Link, I really wish I had ignored them completely and shredded their letter! Because I didnt, and stupidly fell for their tactics, I'm wondering what to do next. Clearly, they are unscrupulous and not trustworthy... I have a few questions: Do I ask them to get Abbey to provide the CCA under section 77/78? (I know for sure that the account is nothing to do with me, because I have always banked with another institution, so I dont want to give them more ammunition to chuck at me. I suspect that this account was opened by the slippery ex, using my details fraudulently, but much as I'd love to see him strung up by the short and curlies, I would rather not give myself the worry of opening up the can of worms again!) I have been advised by Abbey that the account was defaulted in 2004. Obviously, it is not mine anyway, but on the age of the debt alone, on this basis, is this debt statute barred? Do I keep this one up my sleeve as a 2nd wave attack? Do I provide them with the police reference number? Any ideas, comments and positive courses of action would be much appreciated!! Thank you in advance.