Trouble with Pastdue Credit Solutions and settled 3 account

[fateiskind]

Hi all - first post on these forums, hoping to find a solution to this problem!

 

Over the last few weeks I've received a number of letters from Pastdue Credit Solutions about a supposed debt of £32.40 that I owe to Three Mobile.

 

 

These letters have demanded that I pay up or face further debt collection procedures or legal action.

 

I held an account with Three Mobile for two years, but closed my account in October 2016 when I switched to Virgin.

 

 

When I called to close my account, the man in Three's call centre remarked that I had been a model customer, with no late or missed payments, and that they'd be sad to see me go.

There was NO outstanding balance when the account was closed.

 

Also, my account with Three Mobile was registered to a different address

- my parents' address, where I was living when I first took out the contract.

 

 

The letters I'm receiving from Pastdue Credit Solutions are coming to my new address, which has never been associated with my Three account.

 

 

I never informed Three that I'd moved house, so there's no way they could have passed this address onto a debt collection agency.

 

I've also checked my credit score on numerous different providers

- Noddle (which I believe is part of Callcredit) and ClearScore (which obtains its information from Equifax).

 

 

My Three account shows up as 'settled' and 'closed' and there is no sign at all of this mysterious £32.40 debt.

 

My question is - how do I proceed?

Do I ignore these letters and hope they'll give up,

or do I risk acknowledging this debt to get them to leave me alone?

 

Many thanks in advance for any advice you can give!

 

 

I've read conflicting posts about Pastdue Credit Solutions,

some saying they're legit and others saying they're phishing and intimidating people to try and get them to pay debts which aren't theirs.

 

 

Not sure who to believe or what to do next.

[dx100uk]

past-a-clue are a DCA

they are not bailiffs

and have

NO SUCH LEGAL POWERS.

 

 

they don't 'own' the debt as the letter will say 'our client 3'

 

 

they can very safely be totally ignored

 

 

deal with three if you must do anything.

 

 

as for the address etc

they are also a tracing agency so that's how they 'found' you.

 

 

dx

[Sidewinder]

Guns for hire and completely toothless. Employed solely to send you a letter in the hope that the words 'Debt Collector' will shame you into paying

[Bazooka Boo]

Past-clue are amateurs, and the laughing stock of the DCA world, lodge an immediate formal complaint with the cowboy phone outfit, exhaust it so you can escalate it to the ombudsman, you can safely IGNORE past-clue.