ID theft? OR Scam buchananclark+wells

[tupty]

Received a letter from a company named buchanan clark+wells in glasgow with an attached standing order Mandate for a debt of £840 to be paid in £30 installments claiming they are collecting the debt on behalf of the Royal Bank of Scotland.

 

As I have NEVER banked with the Royal Bank of Scotland is it possible i have been the victim of ID theft or is it a [problem]?

 

Advice pleas eon what I should do legally and what my options are?

 

AS I say I have never banked with RBS so have no idea how this is possible.

[cerberusalert]

Send them the 'Prove it' letter;

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

 

Remember, don’t sign the letter.

[rory32]

I would just add to the letter that for the avoidance of doubt you have never held an account with the Royal Bank of Scotland.

[rory32]

Forgot to mention that you should also state that if for any reason regarding this matter adverse entries are placed on your credit file you will sue them for damages.

[tupty]

will do thanks. BTW Lowell tried the same with me on a statue barred debt last year.

 

Told them my Job title at a NAtional Newspaper and that I got in touch with trading standards as their methods were illegal. IE they telephoned me after 8pm a night (their own record showed this) as I demanded their telephone records pertaining to them contacting me.

 

Time 8:01 pm ... it is illegal to contact any debtor after 8pm at night.

 

They still demined they had done it yet they sent me their records with it on.

 

So told them I would publish the account nationally. they suddenly "closed" my account of a suppsed £1500 debt!!!

 

Crazy scamsters, are bring investigated by the Serious Fraud office as their scams are bringning them income in over 1 million.