Thank you for your help, I will go check out noddle now, I'm scared what I will find, if there is a lot of debt in my name will checking on noddle & putting my details in automatically have them all knocking on my door at once?

Hello, thank you for replying, where do I check CRA file, I don't know what this is, you wrote see below but I don't see anything below. I'm sorry this is new to me, I don't mean to be a pain.

Hi thank you for your replies, I'm a little confused, do I just ignore it then? If I do, what will be there next move? I'm worried they will send someone to my door.

Hello I was wondering if anyone can help, this is new to me so I'm sorry if I posted in wrong place. I received a letter the other day from a company I never heard of called Robinson way, saying I owe them £154.99, as I have never heard of them I goggled them & your site came up, so I thought I would ask for advice. I don't know if they are a fraud or not, but they say I owe this money, yet I have never heard of them or dealt with debt collection & don't know what to do. Two days after getting the first letter I received a second from Buchanan Clark & Wells, saying the money is owed to GT Universal, I do not ever remember having dealings with them, but maybe when I was younger I'm not sure, how do I find out if this is a real debt that I owe? I have lived in my current home 10 years & have never had a catalogue or debt whilst living here, no one has ever contacted me regarding any money owed, then this out of the blue. If I owe it I'll pay it, but how do I know it is genuine? Neither letter are signed by a person, just a company This is what the letters say: First letter: Robinson Way Limited Dear Miss Due to HOIST (EX SHOP DIRECT) Acc No: We hereby give notice that by an agreement dated 10th November 2012 your account has been sold and assigned to HOIST Portfolio Holdings 2 Limited by Robinson Way Limited. It is essential that all future payments, correspondence or queries regarding this account are directed to Buchanan Clark & Wells who will be managing your account on behalf of Hoist Portfolio Holdings Limited. yours faithfully Collections manager Second Letter: Buchanan Clark & Wells: Client: Hoist Portfolio Holding 2 Limited Creditor: Shop direct - GT Universal Principal Sum £154.99 BCW Ref: Client Ref: FORMAL DEMEND Dear Miss We have been instructed by Hoist Portfolio Holdings 2 Limited to recover an overdue balance, in the sum of £154.99 on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non - payment of their account and they would prefer an amicable settlement. Please call our 24 Hour Payment Line immediately on 0844 to make payment by Credit or Debit Card. Payment is also accepted online at paybcwonline.com Should there be any matter that you would like to bring to our attention or if you wish to discuss your financial circumstances in relation to the debt, please call us immediately. yours faithfully for and on behalf of Buchanan Clark & Wells