Thank you for this advice, I will check with Experian and Equifax over the weekend and let you know how I get on. Thanks again, very much appreciated x

Hi all, thank you for your advice so far, I am sorry I've not had chance to come back on since I posted it, I didn't expect such fast replies, lol, thank you! I've - probably wrongly - never checked my credit rating, can anyone point me in the right direction please, the safest way to do it, or the most reputable company, then I can see if there is anything showing on there. As I said before, the 2 catalogues I did used to run weren't Freemans and it is at least 10-15 years since I had anything off them. Hoping to resolve this quickly, and be able to warn other folks if they ever have this happen to them too xx

Hi all, I'm new to this site, in fact it's the first time I've ever been on a forum...scary stuff lol!! I've read a number of threads and feel my story maybe corresponds with others on your forum, hence I thought I would join and hopefully gain the knowledge and strength to get this resolved quickly, and without repercussions! On Monday this week, out of the blue, 2 letters came through my letterbox in different envelopes: 1. Robinson Way Ltd's letter said 'we hereby give notice by an agreement dated 10th Nov 12 your account has been sold & assigned to Hoist Portfolio Holding 2 Ltd by Robinson Way. All future payments, correspondence to be made to Buchanan Clark & Wells who will be managaing the account on behalf of Hoist.' The letter is a bit confusing, the so called debt says 'ex freemans' for £198-43. I am assuming this may be the catalogue people, Freemans, but I am not sure. I cannot recall ever having opened an account with Freemans (I ran 2 other catalogues 15+ years ago but always made sure I paid it off in full). 2. Buchanan Clark & Wells letter said 'formal demand' confirming they've been instructed by Hoist Portfolio Holding 2 Ltd to recover an overdue balance £198-43 on their behalf. It says their client is unaware of any legitimate reason for non payment and would prefer an amicable settlement. BCW are prepared to help in clearing the deby by offering me an exceptional opporturnity to settle on highly favourable terms, they are willing to accept £99-22 in full and final settlement, which can be spread over 3 convenient monthly instalments. To take advantage I have to contact their office within 5 days. I was initially really really worried, having trawled the internet for over an hour, going round in circles, I found your forum and read some of the threads which seemed similar, although different creditor names were mentioned, not Freemans. I haven't phoned either company as I do not think there is a debt, and I think that if you ring them they feel you are susceptible to [problem]s and could then get inundated by more [problem]s. Do I ignore these letters or should I contact them? If so, what do I need to say, etc. Any help anyone could give would be greatly appreciated. Thank you for taking the time to read my thread x