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Catalogue debt dispute, please help :(

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Not sure if I'm posting in the right place here but I need some advice with catalogue debt.


I have recently received 3 letters from lowell finance saying that I owe money for 3 separate catalogue debts,

2 with shop direct and 1 with JD Williams.


But I never took these out!


I recently opened a credit account with Fashion World just so that I could get the 10% off and have since payed this off in full

as I don't want to build up debts and I'm assuming that's how they have found me to send me these letters.


The debt is from my previous address at University and I don't know who has taken them out

but I wasn't even living there when the items were delivered.


It's a problem for me though as I can't prove this,

I found out that I was 5 months pregnant in early April of 2011 and moved home

however my lease wasn't up until the end of June.


I had already payed my rent for that term that covered me up until the end of my tenancy

and just wanted to move home as I had decided to take a break from Uni to concentrate on the baby and sorting everything out.


I have since moved in with my boyfriend and we have been living together for over a year now

and I have had no letters from any debt companies until I opened the Fashion World account.


Now I don't know what to do,

I wasn't living at the address at the time but my tenancy agreement didn't end until the end of June and the items were delivered before that.


Is there anything I can do??


The debts mount up to well over £1000 and I don't want to be paying that back

but they are threatening to take me to court and obviously I don't want that

and I'm worried about any affect this is going to have on my credit rating.


Thanks for any advice you can give,


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al you need to do is prove you were not living at the address

as this is obv fraud


dont worry about lowlife


its just a threat-o-gram


read it carefully


it does not say WILL


every word but!!


i'd get your CRA file


and see what gives


see below



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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