Hi, im looking for advice please. I am in a big mess with my overdraft from Halifax, since they changed the interest on overdraft to a daily fee. The have passed my account onto Wescot, who are now asking me for the money. I had agreed £5 per week with them and they were meant to set up a standing order for this back in Feb of this year. No order was set up, and these 35 have now mounted to £75. Today I had a visit from my mum, with a letter in my married name, to her address, where I have not lived for over 11 years. The letter is :
FINAL NOTICE
Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence.
Unless you contact us to agree repayment of £[details removed] within the next 10 days [now only 4], further collection activity will be taken to recover the full outstanding balance.
Please do not ignore this letter as this could result in either us or our client taking further action to recover the debt, which may include:
1. Legal action against you through the Courts. If legal proceedings are issued and a judgment or Decree is obtained against you, court fees and legal costs could increase the amount you owe.
2. Referring your debt to a Door Step Collection Agency to carry out a Collections Visit at your home.
It is very important that you take IMMEDIATE action to resolve this issue. You can do this by contacting us 7 days a week on 0844 824 1151, writing to us at the above address or making a payment via our website
Yours sincerely,
[original unsigned]
Now what worries me is how the hell did they trace me to an adress where I have not lived for so long, when I still have active accounts with Halifax, so sirely they know my correct details.
So does my mum give them a forwarding address for me, or if theyre so good at making enquiries, just tell them Im not at that address? I have never been on the electrol roll there due to moving out at 17.
Thanks in advance.