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Sander & Kay Jacamo debt not mine!

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First of all, Hi!!


I will apologise if this is the incorrect place,

I did look up & down the topics and couldn't see one that matched up with my query.


I have a DEFAULT on my Experian credit report from Sander & Kay T/A Jacamo for a grand total of £2240.

I have never dealt with these people as explained below.


I moved into my current address July 2012.

I received a couple of letters ref this account soon after I moved in but I ignored them thinking they cant be for me,

I've never held an account with them.

In fact, I've never had a "catalogue" account as I would call them with anyone. :!:


The fact its a mistake or identity theft, where do I stand with this?


Im now looking to move from rented accommodation & buy my first house.

This somewhat isn't going to help me.

I've no idea where to start with this which is why im asking for your advice.

The default was registered 3/8/2012 and since those last letters last year, I've heard nothing.


I have just read a thread on here in regards to Sander & Kay being useless which has not gave me the greatest confidence

but id rather do it right from the outset.


Thanks in advance for any advice on the matter.





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I have relocated you to the Debt Collection Industry, I think you will most likely obtain more advice there.


In summary, you have never had a catalogue account, let alone with this company. However, they have been reporting on your credit files.


You need to make a formal complaint to their Head office confirming that this is the situation and that they should remove any adverse reporting from your credit files.. immediately. Send it by recorded or special delivery.


I am sure others will pop in during the day with more advice.

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yep looks like some little tyke took stuff out in your name using details

via letters sent to your old address?


did you have mail redirect done?


sadly quite common. esp catalogue accounts.


might not be a bad idea to get actionfraud involved too.



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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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