mum being chased on Ambrose debt that poss fraud?

[shifnal]

My Mum received a standard letter from Wescot about an alleged debt which she has no knowledge of. She asked me advice, and so sent the standard letter requesting a copy of her CCA. Nothing more was heard until today (5th June), well outside the 12 day limit. The letter came from the company claiming the debt and called Ambrose Wilson. In their letter they state:

This account was opened as a personal credit account... In relation to your request for a copy of the executed agreement under section 78 of the Consumer Credit act 1974, under regulation 3 (2)(b) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 there is no requirement to provide a photocopy of the agreement bearing your signature, it is sufficient that we provide a "True Copy" of the agreement setting out the terms and conditions to which you have agreed. A "True Copy" need not bear the debtor's signature or, in our case, the date of the agreement. We are therefore enclosing a "True Copy" of the Credit Agreement.

My Mum, who is elderly and disabled, swears that she does not know who this company is, and has never entered an agreement with them. The company enclosed a copy of the account details, which includes items they allege my Mum bought. However, looking closely at this list, it includes things my Mum would never buy, such as a ballerina dress (she is too old for such things and neither I or my brother would need them as I have no children and my brother has a 12 year old son). On the "True Copy" they have sent, the handwriting of the name and address on the box marked "customer details" is not my Mum's handwriting. I think that potential fraud may be at work here as my Mum has no knowledge of this company and has never ordered anything from them. I live with her as her carer, and none of the packages the company claims to have sent out have ever arrived at the house. I know this to be the case I am the one who answers the door to delivery people. My Mum is very upset and scared and does not know what to do. I would therefore value your advice. Thank you.

[babybear39]

Use letter 18 from here:

 

The Consumer Forums - Debt collectors

 

Amend to suit, send recorded keeping a copy with your postal receipt, DO NOT SIGN, print name and come back to let us kow how you get on.

[PGH7447]

and check her credit file for possible other activity