**** Fraud By Dca?? ****

[A+]

Hi all.

I have spent ages going through very old paperwork. I have sorted ALL letters into piles, and there is a small pile from Thames Credit Ltd relating to an alleged debt which i KNOW i never took out. They claim i had a credit card with a company i know i have never had dealings with.

 

More suspicious, despite going through nearly 4 years of paperwork for ALL my debts, i have ONLY letters from Thames Credit bearing this alleged account number and debt figure. NO original creditor has ever contacted me, and i have nothing else, no other DCAs (which in my experience is strange as they usually do the rounds, where one fails another tries etc).

 

I think they have completely dreamed this number up and attempted to get money out of me on it. Also, between each letter which were sent on a monthly basis, the alleged overall balance jumps up in chunks of either OVER £100 or around £50-£60.

 

ANyone suggest what i should do with this? Maybe CCA them? Bear in mind i have not heard from them for well over a year. There were 5 or 6 letters and then NOTHING since. I think they were trying it on. Of course i can't prove this without going further, so anyone suggest what to do next?

[sploits]

You could CCA them to see what they come up with but if they havent contacted you in a bit why "relight the fire"?

 

I would personally sit and wait to see what else comes in IF anything

 

Sploits

[Undercover-Elsa]

I agree A+, you have a lot on your plate at the moment..I'd personally keep these cold ones for dessert (if ever..the clocks ticking!)

All the best,

Elsa x

[citizenB]

You would be better off sending the letter in the following link

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt.html

 

Why pay out £1.00 and recorded/special postage if you know nothing of the account:D

[The GodMother]

CB i normally would agree with you on letters to send but i say let sleeping dogs lye.

 

If they have not contacted u in over a year and then u send a letter they might say oh i remember u and start hasselling u again.

[citizenB]

CB i normally would agree with you on letters to send but i say let sleeping dogs lye.

 

If they have not contacted u in over a year and then u send a letter they might say oh i remember u and start hasselling u again.

 

 

Yes, you are absolutely correct GM. I didnt see that the DCA hadnt contacted the OP in over year. SpecsSavers are going to get another customer this weekend !

[The GodMother]

lol.

 

my fault i assumed u had read the post but hey its not up to us its up to the OP.

[citizenB]

lol.

 

my fault i assumed u had read the post but hey its not up to us its up to the OP.

 

 

That's just it GM.. I did read the post:lol: I appeared to have skipped over that bit though

[A+]

Am i the OP? If so, what does it stand for, nothing rude i hope?!

Agree with you all, i am sure they blagged this one out of thin air, but i don't need any more stress (thanks elsa) so will let this big fat drooling dog lie asleep for a while, until i have some more strength and money for recorded deliveries

Thanks very much to you all

[citizenB]

yes A+, you are the OP.. "Original Poster":lol:

[A+]

ha ha, great now i can stop worrying about you all referring to me as Old Prune or something!

[The GodMother]

0well it makes us all old prunes then