Advise needed re argos card

[mintymanda]

My husband had an argos card over 6 years ago, last year cabot financial got in contact and I started paying back his debt at £5 a week but the balance was over £1600 even though he says the credit limit wasn't that high, it must be interest and charges over the six years. Since I started paying it I have found out that the date of birth on this account is actually my father in laws not my husbands they have the same name. My father in law went bankrupt last year due to credit cards, store cards and loans he had now what do I do, should I wrote to cabot sending a copy of my husbands birth certificate showing that he is not the person this card belonged too and point them in the direction of my father in law, or leave my father in law out of it and let them find the right Mr John Byrne or what I don't know what to do. My husband is worried that his dad will not accept this debt is his when it is and add it to his bankrupts but I don't see why we should be struggling to pay off his debt when he bailed otu ont he rest. Please help me.

[silverfox1961]

Stop paying them. It's not your debt. Write and complain that they have chased the wrong person and claim every penny back. The chances are Cabot will state that you are the debtor they are after and that they won't pay. Report them to the OFT and Trading standards. A complaint to the information Commissioner would be in order tooas Cabot have released details that don't belong to you.

 

fox

[mintymanda]

Thank you. I will do what you have suggested.

[silverfox1961]

I wouldn't mention that your dad-in-law is a bankrupt. Let them find out the hard way. You have proof the debt isn't yours (D.O.B) You can just see their faces drop when they find out he's a bankrupt :D

[mintymanda]

Yeah I was thinking that, lol, thank you again.