Hi,
This is my first time on this forum, so please excuse me if i've posted in the wrong forum.
I received a letter from Moriarty Law today(attached) claiming that they are acting on behalf of Utility Warehouse recovering a debt of £3093.15 dated from 22/10/2013.
I have moved around a lot in the last few years but have been at my current address for over 2 years yet this is the first I have heard from them.
I have absolutely no idea where the debt of £3,000 has come from,
I was renting a house with my friend back in 2013 and Utility Warehouse were our energy suppliers (all bills were in my name as it was easier)
I have checked my emails and my bank statements, I can find a payment to Utility warehouse in March 2014 for £150 but nothing else.
I should also mention, the property that this relates to, we only lived there for six months until April 2014 and then both moved in with our parents.
In regards to the letter, I have been working really hard on getting out of debt over the last few years and recently took out a debt consolidation loan with the aim of getting the last few things I owe, paid off, my credit score has only recently recovered after a few family members went rogue with my credit score when I turned 18.
I cant afford to have a CCJ on my credit file.
What should I do?
I cant see how we could have racked up a £3000 debt in the six months of living in a 2 bedroom flat.
I cant see anything from UW on my noddle report either.
Do I write back to Moriaty law?
Any help is massively appreciated.