Thanks for your help. I will get my fiancé to send them another let and see if they respond to that. Will also be writing to moorcroft again as well.

Thank you for your reply. The default that is on his credit file says that it is for a current account not a loan and is for a different amount then what moorcroft is chasing. We sent the SAR to lloyds as my fiancé did have a current account with them about 2-3 years ago which he assumed was closed as he never uses it and banks with a different bank. I can only assume that the default is from his old bank account and there must be some money owing on it but he isn't sure as all it was, was a cash account. I hope that what I've written makes sense.

Another update: It has been well over 40 days now and my Fiancé has not received any communication from lloyds from the SAR so we are not sure what action to take now with regards to getting this default removed from his credit file. Any advice? On the moorcroft situation we had a letter from them stating that collection activity will cease while they are awaiting the paperwork for the alleged loan. Despite this though we have received letters threatening him with litigation! This just proves what a joke they are so we are going to ignore all communication from them as they are just out to scare us into giving them money.

Ok will do that. See what lloyds come back with, with the SAR but there will be no agreement for the alleged loan that moorcroft are chasing as my fiancé never has had a loan with them.

Just a quick update. We have received no executed agreement from moorcroft re the alleged loan. Haven't heard anything from then for a while apart from of their doorstep agents turning up (despite us saying we did not want that in letter. She was politely told to go away. They were obviously desperate!) and my fiancé had a missed call on his mobile from them. Is it worth sending them an account in dispute letter or should we leave it? With regards to the SAR from lloyds. Haven't had anything back from them yet but they still have some time so will have to wait and see.

Thank you for your responses. We will send a postal order with it. The only thing that I'm worried about is that they will send information as well about this alleged loan and link it to my Fiance as we have had 2 letters from Lloyds about the loan that he has never had. Is it best to request the SAR on my fiances current account number (which he has on a very old card) that he had with Lloyds and that the charges should be on?

Thanks for the reply, we will send this off a.s.a.p, should the £10 fee be done as a Postal Order?

Account went into default 22/02/2010, and the account was last used mid 2009

Update - Received a letter on Saturday from Moorcroft saying that they have requested the relevant documentation from their client and once received will be forwarded to us and that they have put a hold on this account. We then received a letter today from Lloyds with a Notice regarding the personal loan, still no executed agreement to this alleged loan! Dx- as advised we have today checked his CRA file and there is a Default on his account from Lloyds TSB regarding a Current Account, as I said he did have a Current account with Lloyds and he went overdrawn so I can only assume that the amount on there is from charges. Just need some advice really as what to do. My fiance has never had a Loan and it doesn't show on his credit file that he has so Moorcroft are obviously chasing the wrong person. He did have a current account and was overdrawn when he last used it (at least 2 years ago) so how should we go about contacting Lloyds and getting the default removed?

Hi all We sent the prove it letter off last week and today in the post my fiancé received a statement of account from lloyds tsb. The debt in question is a loan taken out in June 2007. My fiancé has never had a loan in his life. This is all of the information we received, no copy of the executed agreement. It is obvious that they are chasing him for a debt that he doesn't own the debt but we are now unsure what to do going forward. Any advice?

Silverfox1961 Many thanks for the reply. I have looked at the OFT guidlines and they have been most helpful, what they are doing is unfair, does not follow the guidlines and it does clearly state that more than one DCA cannot collect the same debt. I think the best thing to do is to send the 'prove it letters', hopefully this will get all of this nonsense to stop. Fingers crossed it will work as we don't really want any more visits!

Hi All First Post on here as in desperate need of advice! For the past 6 months or so my Fiance has been receiving letters and phone calls from multiple debt collection agencies (Robinson Way, Lowell and Moorcroft to name a few) with regards to a debt apparently owed to Lloyds TSB, they are threatening anything from a repayment plan to legal action despite no correspondance from my Fiance as to whether he does live here or if he acknowleges the debt or not. They all have different account numbers and are for varying amounts from £200 - £4000! My Fiance did have a Bank Account with Lloyds TSB but it was just a Cash Card account with no Overdraft or anything on it. This account dates from before I met him so at least 2 years ago maybe more. It was also registered to a totally different address to where we live now but all of the letters are coming here and this is an address that was never associated at all with his account. He also has never received any letters from Llyods TSB about the debt or had any correspondance from any one regarding it until 6 months ago. He had been ignoring them but came home today to find a card pushed through the door from a collection agent from Moorcroft Debt Recovery Limited who had called to discuss a repayment plan, wants him to call her and is going to come back next week! We can handle the letters and phonecalls but draw the line at someone visiting our home when there is absolutely no proof that he owns the debt. Is it legal for more than one debt collection agency to collect the same debt of varying amounts?! Sorry for the long post but any help that can be given would be gratefully received as we are at a loss as to what to do now.