I've had a letter from BW legal today claiming that I owe the sum of £182. I had a letter from another DCA about 18 month's ago for the same debt (Instant Cash Lones LTD t/a Pay Day Express).
I've never had a payday loan other than from wonga in about 2010 which was paid back in full.
Upon speaking to their telephone advisor they told me the are unable to pass security as the DOB they hold on file is different to the one on the account. I sent them proof of my DOB to prove to them it's not me and they've now updated the DOB on file to mine.
They say I have until the 27th of july to pay up else they'll be taking me to court for a debt that's not mine.
Any idea what I can do here or what my next steps are or should I just pay it to protect my credit file?
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!