Cabot letter for OH'd cap1 debt from 2000

[drew 57]

my wife has received a letter from cabot for a debt from capital one bank for a credit card from may 2000

the debt is for £319.06 which the balance has no interest being paid during the statement period

 

it also states that there has been two payments paid by AUTO IVR PAYMENT one for £20 and another £40 

 my wife has no idea about this debt and payments

 

How do i proceed with this

[dx100uk]

auto IVR my foot.

 

are you saying she has never had a cap1 card? or that she did have one, but doesn't remember any debt/payment.

eitherway its pretty immaterial as long as these dates they state are outside of 6yrs.

 

send cabot our SB letter if they are you'll find it in the debt collection section of our library

staple a copy of their letter too it.

 

 

[drew 57]

Thanks for the heads up,  nether of us can remember having a capital one card or making any payments. i will send a SB be letter as you have advised thank again for the advice

 

The auto ivr payments Are from july 2022 and october 2022 we do not recall making any payments of any form whatsoever What is a Auto ivr payment anyway

[dx100uk]

use a search engine.

 

i would suspect and guess that if either of you have moved in recent years you failed to update creditors and you could be subject to identity fraud at an old address.