i have also recieved a letter from MH stating
this notice is given to you as required by the consumer credit act 1974 because you fell behind with your payments under this agreement with your original creditor...
then it states statement of my account
statement date is 27/10/2010
period covering 01/10/2008 to 27/10/2010
vendour hfc bank
opening balence on 29/04/2010 is £2,474.85
i havent replyed because i have taken no credit out through hfc, the only thing i can think this is is from a store card 16 years ago with miss selfridges or topshop which i vaguely remember being hfc bank, other that that nothing.
i recived another letter today stating despite previous contact and failing to respond, they have obtained this alternative address as a financial link, linking the address to my previous abose, supplyed by a credit reference agency, they are now threatening payment by deadline of 23/11/10.. im very worried, please can anyone give me any advice on this matter
much appreciated
thanks x