Being pursued for an unknown debt

[RoadToRecovery]

I started receiving correspondence from Wescot in August about a debt to a bank I have never ever used. I sent the standard letter I saw on other similar threads quoting;

I am are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

• They wrote back asking for previous three addresses to confirm I was the correct person.
  
• I confirmed addresses and received no further reply. I thought that was the end of the matter.
  
• Then receive another threat of court action.
  
• I wrote again enclosing copies of my previous two letters and requesting details of their complaints procedure.
  
• Received a letter stating their client has sent copy statements and to commence recovery action.
  
• I have received nothing from the bank they claim the debt is with.
  

They ask in their most recent letter; "How do I propose to repay the debt", "What is my dispute?"

 

• This is crazy, why should I have to go to all this trouble to prove they have the wrong person?
  
• Can I charge for my time?
  
• What do I do next?
  

Footnote, I checked my credit file and this debt has suddenly appeared and it wasn't there at the begining of this year. The default is indicated as January 2010.

 

I do have outstanding debts that I am doing my best to sort out, but this is just taking the rise trying to pin debts I have absolutely no knowledge of, on me. I have read some other threads and seen that contacting the police is one step in the process. This is our fourth adress in ten years and I strongly suspect this is a case of fruad as I have never ever had anything to do with the bank in question. It is also very suspicious of how this is being handled, very cloak and dagger, I suspect the bank and Wescot know they have the wrong person yet are trying to nail me for it as a last resort. They should lose their licence for this sort of sharp practice, quite simply.

 

Any help would be appreciated. I have started my own thread as I suspect this is going to get to the court stage.

[42man]

Send recorded delivery and keep those letters and hand them on to their local trading standards and the OFT

 

LETTER BEFORE ACTION

 

Dear Sir / Madam.

 

It is with great concern I write with regard to your company's behaviour. Over the last (x) weeks your company has written several letters, the first of which I have responded to in satisfying your requests for previous addresses.

 

I can categorically state that I have NEVER used or had any kind of account with (name of bank), I am now of the opinion that this is now pure harrassment and in direct breach of CPUTR2008, The OFT's Guidance On Debt Collection, your own associations code of conduct and harrassment laws. I'm sure I have no need to remind you of the recent case of

Ferguson

vs British Gas

 

What I require.

 

An apology from the Managing Director of your company in light of the distress

, embarrassment and upset this has caused.

 

Confirmation that you will NOT call me again.

 

Instant removal of any adverse information placed on my credit file - this will be checked within 14 days - If it is not removed, I will commence court proceedings with no further notice.

 

If you do not respond with your official complaints procedure within 7 days, I will have no hesitation in informing Trading Standards, The Office Of Fair Trading and my MP of your behaviour. And if I have to write to you again I will charge your company £20 taking time out to write again.

 

I trust this makes my position perfectly clear.

[RoadToRecovery]

Many thanks 42man.