Hi, Thanks for your prompt response My gut feeling is to wait now to see if there's any other letter gonna turn up . .and if there's anything then send the letter u suggested below? Do u think that's the wrong decision? The letters are very cleverly worded underlining threats but nothing certain they all based on assumption. The last sentence was no further warnings will be sent? I mean what's that mean?? Definitely not made any payment to anyone for any previous debt and doesn't know anything for that sort of amount from 2001-2. And as said credit file clean all loan /credit card applications are accepted credit rating above average. Can they action court proceedings for something that's 10 year old?

Hi, Thank you for accepting me to the forum...I've been a reader but not a member but I now got to a stage where I felt I best register to gain other views... I've lived with my boyfriend in the same town since 2004 lived in our most recent place for the past six years prior to this 2 other places. Few weeks ago he has received a letter from CCS collect saying we need to contact you about a personal matter please contact us. I've looked them up straight away knew they were a DCA and as we have built up a good credit rating and nothing on the file chose to ignore it. Got the same letter few weeks later decided to return to sender this time. 2 weeks after now with a stronger letter advising that he owes Cabot (another DCA over £12k!) Needless to say we know nothing about any debt never been contacted before so this came as somewhat of a shock. Oh and the best demanding a payment within 7 days! Sating without contact they will get their local agent to contact us. (As far as I know no one turned up we both work... ) Done my reading again...Number of forums, websites still chose to ignore them as the debt can't possibly be his and even if it is it would relate to 2001-2002 from when he lived with his previous girlfriend so therefore from learning from my reading must be statue barred?!? Since living together from 2004 we both had loans credit cars all settled and good credit score. No searches on the experian either.Now another letter. Not going to type in the whole thing this written along the lines of " Despite numerous attempts bla bla failure to contact by x date (happen to be like a day) leaves us no alternative but to recommend further recovery action to our clients. This could potentially result in legal proceedings for the full amount + cost and interest. Then about 4 times please contact us etc... then at the end NO further warnings will be sent (yay) So my question is do I ignore is this just an empty threat trying to catch him out or do the letter from the Debt helpline as in the one where you dispute it's you? Any experience anyone? Can they do anything? Back in 2009 we have had a letter from a different DCA trying to collect on behalf of Cabot over £3k we rang them back then and once confirming the Date of Birth and address they went sorry wrong person... so this has niggle in the back of my mind what if they got it wrong too? From what I read about Cabot here they are not the most trustworthy either? So back to my question ignore or go into the fight of who/what/when etc? Thanks in advance...