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Please help,


I dont know what to do for the best. I have scotscall saying they are coming round in 7 days. I think there are two debts but they are very old. But i dont have any paperwork for this, i thinks one is orange and one is shop direct. My soon to be ex wife ran up overdrafts of bank accounts in my name years ago, and i have never dealt with any of it. I have just ignored it. I want to sort this desperately. Someone please help i have never dealt with this sort of problem before.


I have never heard anything regarding the bank accounts, but the other two debts have been banded from debt collector to debt collector for years. Now scotscall say they are coming. Im scared if i try to pay them the bank account debts will re surface. What should i do im at a pretty low ebb going through a divorce and my wife has stopped me seeing my 3 year old daughter. Having to go to court to get contact. Everything is getting on top of me any advice on a way forward please.

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Firstly. Tell them to get lost if they turn up. They are debt collectors not baliffs they have no rights at all to be on your property. If they refuae to leave phone the police and report a breach of the peace. There should be a letter in the template gallery here. U can send them to stop them calling.


Secondly. Check your credit file are the debts on there?


Never talk to a debt collector on the phone. Simply hang up if they ring.


You could always sebs then a cca request. This costs £1. Dont sign the letter and use a postal order. This will allow you to c when the debt was taken out, when it was defaulted and ask for a statement of account too this will allow you to c whether it is statuted barred or not abd when you last payment was. Just put on the bottom of your letter to them "please note i do not acknowledge any debt to you or anyone acting on your behalf. Make sure you sent it recorded delivery



Please add to my reputation....

SUCCESS - Capital One PPI, Three Mobile charges, Orange Mobile charges, MBNA PPI

Wonga, Lowell, MMF 2 accounts, Provident x 3 Accounts, (ALL Unable to provide CCA)

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Doorstep agents have no powers. They are just enquiry agents, who will earn a commission if people are stupid enough to pay them or set up a repayment plan. If they call and you answer the door, just don't confirm who you are if they ask. If you don't confirm that you are the person they are seeking, then they should quickly leave.


Check your credit record and see what is on there. Experian offer a free trial, as do Equifax. Just remenmber to cancel within the trial period to avoid a subscription. Also it may be worth checking Trustonline to see if any CCJ's have been obtained without your knowledge.


You could send Scotcall a prove letter asking for details.



If you do know what debt Scotcall are referring to, then there are other possible letters you can send.

We could do with some help from you.



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I keep a printed off copy of the no visit letter just in case any turn up, although have written to tell them no visits etc.


I am on electoral roll but requested the option that doesn't give out details to searchers. This can be a problem when applying for credit I am told, as checks cant be properly made, but I have no wish for credit so it doesn't bother me. Somehow they DCA's still find me though LOL ring...even email address.


On my Noddle registration I had to put down last 3 addresses to get my account open, nothing shows up for where I am now but does show up previous address from when I incurred debts.

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