I hope this is in the right place!
I want to explain everything so I apologise if this is a bit lengthy.
I received a letter from ind ltd in march stating that they had been appointed by welcome financial services ltd to collect a debt of £1789.40. This was relating to a loan they claim I had in december 2011 (or possibly defaulted on in december 2011, it isn't very clear).
I did not take this loan out. Many years earlier I had a loan from this company but as far as I am concerned it was all paid off, way before 2011.
I copied a template I found on here asking for the cred