3 debt letters from CapQuest regarding debts i've never heard of.

[kilic]

Hi all, i'm new to this so sorry if i'm posting this in the wrong place.

 

Basically, i've received 3 letters entitled Letter Before action from CapQuest regarding debts i've never heard of. They say the client is J D Williams so i looked them up on the net and apparently they are a catalogue. Well i've never had a catalogue in my life so know the 3 debts are not mine. One letter is addressed Miss Catherine xxx and 2 are Mrs Catherine xxx. Well for a start my name is not Catherine but is similar but they have my surname correct. Does anyone know what i should do about this? I haven't contacted them yet as i didn't want to be bamboozled by them before seeking some advice. If i contact them will they have to tell me when the debts are from and what address they were for?

 

Any advice would be very appreciated. Thanks

[saintly_1]

Sounds like a phishing trip by them send them a 'prove it' letter

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

 

see that they come back with

 

saint

[kilic]

Fantastic thanks very much for that, i'll get onto it asap and see what happens.