Guidance please re claiming compensation.

[whyme-agen]

Hi All,

 

Hope you can guide me in the right direction with this.

 

Six years ago I stupidly answered to a phishing letter ( hindsight is wonderful )

 

This has caused me problems with debt collectors, as I happen to have the same name as the person they cannot trace. You know the scenario, can't find the right person, this prat will do.

 

In December 2007, I received a letter from Lowells, stating that they had contacted me erroneously and that I was not their debtor.

 

They went on to say that all my details had been removed from their database.

 

I had problems in 2010 when I tried to open a bank account, and was refused.

This was due to Incorrect information which appeared on my credit reports, and had been placed there by Lowells in 2009, almost two years after the above mentioned letter.

 

I managed to sort this problem, and was told by the CRA's that Lowells stated that it was due to a mistrace.

 

Now for the next one, Crapquest.

 

Harassed by them in 2007 for about eight months.

When they eventually investigated the matter, I received a letter stating that when they purchased the debt, they didn't realize that they had been given incorrect information, and had contacted the incorrect person, and that my details had been removed from their system.

 

Now here we are in 2012 and I have started to receive phone calls from Crapquest on an almost daily basis, asking me to contact them.

 

As I have now had more than enough of all this ( I had a heart attack and cardiac arrest last year ) I was wondering what the best course of action is.

 

I am sick of having my name and reputation trashed by these goons, and I am sad to say I have let them get away with it in the past.

 

Cheers

[42man]

I think you should write them a LETTER BEFORE ACTION (send recorded) explaining that they are making the same mistake as they did 5 years ago. If they continue to harrass you then you will have no hesitation in taking them to court and the next letter you will send will be a county court claim.