phantom payments

[labrat]

just a quick one

 

friends got a dca (cabot) after him

 

debt he knows nothing abou8t but has been registered to his credit file

they are telling him theres been 16 put in last month

 

am i right in thinking they have to prove where that is from?

[sequenci]

In a nutshell, yes.

[citizenB]

Yes, if they are claiming there is a debt and a payment has been made to it, it is for them to provide proof that the debt is yours and that you made the payment.

 

Which company is this ?

[renegadeimp]

Cabot CB. Looks like theyre up to their old tricks.

[labrat]

yep hes not heard about the debt before

 

hes made the mistake of speaking on the phone, told them it wasnt his

 

he has been a victim of id fraud in the past, has a very common name + he had a laptop full of bank statements etc stolen

its taken a long time to get his rating back up to just poor

 

will get a letter in the post hes asked for advice as he knows im on here alot

 

basic letter along lines off

 

Un-recognised debt, prove it, no payments made, prove method if by card provide last 4 digits of card and bank from, if bank transfer bank sort code

 

maybe a CCA Req but it would only be a reconst as around 2009ish from what he was told

[renegadeimp]

If the debts not his, then a CCA request would be pointless.

[sequenci]

If the debts not his, then a CCA request would be pointless.

 

I'm not so sure, as it'll soon evidence to the lender that they've got the wrong person, surely?

[Conniff]

I wouldn't bother with any of this letter to and frowing. If he is sure the debt is not his, then a letter denying it and ending unless proof is received, no further correspondence will be entered into.

 

 

He should also give them 7 days to remove the cra entry or further action will be taken.