Associates Capital Corporation - never had the card!

[Vampyra]

This is a weird one. Some years ago I applied for a ACC credit card. I sent off the info and months later I had a cheque book land on my doorstep addressed to me at some address in North London. But strangely it had had my address at the time written on the envelope.

 

I telephoned ACC who told me that the card had also gone to this address. I was very concerned and asked them to cancel the card as I had never received it and had never lived in North London. They said they would cancel the card. This was way before I had dealings with CAG.

 

I have never had a statement nor a letter from them, nothing.

 

I now have a DCA chasing me for one unenforcable with Halifax which, because I have moved, I have to confirm I live here to do a prove it letter. And now I have them chasing me for £1113.58 of debt I never, ever used. Obviously I did sign an agreement to take out the card, but as I never had the card nor any statements, I wasn't aware the card was even active.

 

It's one thing getting into trouble with debt, but completely another when the debt is in my name but not mine.

 

Where on earth do I go from here?

 

As a mute point the unenforcable Halifax debt is the second one listed dated 17/04/07 and I never had a CA and is no doubt statute barred, as I would think the ACC card is.

Edited December 21, 2012 by Vampyra
Adding extra info for clarity.

[BRIGADIER2JCS]

Hi,

 

How long ago was this card suposedly issued?

 

If it is over 6 years ago, and you have never used, paid or acknowledged the debt then we can probably get rid of this quickly.

 

Which DCA is on the case?

[Vampyra]

As far as I recall the debt is around 6 or 7 years old which I know would make it statute barred. I have never used, paid or acknowledged the debt because I genuinely thought the card was unused, unactivated and the account cancelled.

 

Our dear friends in Reigate are the ones chasing this and the Halifax one, 1st Credit.

[Vampyra]

Saying that though I don't know when whoever spent the money actually spent it which might mean it's not close to SB.

[BRIGADIER2JCS]

Ok Vampyra send the following letter to 1st Crud. Addressed to the Compliance Manager.

 

Dear sir,

 

I am in receipt of a letter dated xx xx xxxx regarding an allged debt originating from an Associates Capital Corporation Card, please take note I do not acknowledge any debt 1st Credit or any company you may claim to represent.

 

I must inform you that at no time have I been in possession of such a card and therefore have never used one or made any payment towards any debt incurred by use of such a card, therefore I will not be making any payment or offer of payment in regard to this alledged and fraudulent account.

 

I am aware that this ''brand'' of card was merged with Citi somw years ago which means this alleged debt is statute barred.

 

Should you wish to dispute the status of the alleged debt I must remind you that the onus of proof of 1. That I am the debtor you seek an2. that the debt is not statute barred lies entirely with 1st Credit, and unless you can provide such proof within 14 days I will consider the matter closed.

 

Recorded Delivery happy Christmas!!!

[BRIGADIER2JCS]

Saying that though I don't know when whoever spent the money actually spent it which might mean it's not close to SB.

 

The point is you did not spend you have never paid towards it and have never seen it, the whole burnden of proof is theirs NOT yours.

[Vampyra]

Thank you BRIGADIER!

 

I shall get that sent out ASAP.

 

Happy Christmas!