update : j2 sent a letter to me nearly 2 weeks ago, so my friend posted it back saying i was not at the address and to remove her telephone number and data off their system as they never gave permission for it to be stored in the first place, then today a letter arrived saying, thank you for your recent correspondence, please accept this letter as written apology for incorrectly contacting you in an effort to make contact with ----- -------- . i would like to take this opportunity to thank you for your cooperation and advise you that your address has been removed from our files. please be assured that we have not registered your details with any credit reference agencies . yours faithfully. ---- ------- . operations support executive direct legal and collections but im sure my neibour said i did live there , do you think this is to put me off guard . thanks for any help

i have searched all these threads and just getting advice from you guys is helping me already , this is a fantastic site that does help keep up the good work .

thanks very much for your help , i was not sure how the law was as it happened in england but i now live in scotland as i think the laws are different im not sure ,

2 years ago i lived in yorkshire and had a lot of debts, barclay card etc. i then had the chance to move back to scotland to live to which i did . then yesterday my next door neighbour got a call from j2 saying he was my friend and he was looking for me and asked my next door neighbour if i lived there. i got my friend who i share a house with to phone them to see what they wanted, they were very arrogant on the phone and said we will send the letters to you , now my house mate is worried that the baliffs might take there possessions. also i am the registered owner of a car which my friend has been paying for 4 years(because they could not get finance, and i could) the last payment is this month, can anyone please give advice

2 years ago i lived in yorkshire and had a lot of debts ,barclay card etc. i then had the chance to move back to scotland to live to which i did, then yesterday my next door neighbour got a call from j2 saying he was my friend and he was looking for me and asked my neibour if i lived there, i got my friend who i share a house with to phone them to see what they wanted, they were very arrogant on the phone and said we will send the letters to you, now my house mate is worried that the baliffs might take there possessions. also i am the registered owner of a car which my friend has been paying for 4 yrs (because they could not get finance, and i could) the last payment is this month, can anyone help me please