Cabot Instructed Ruthbridge to Collect an unknown HSBC debt of £2271.01

[Escaped]

today I received a collection notice concerning this debt.

They offered for me to pay a reduced amount by no later than Nov3.

 

As I  did not receive it until 13 November, I did not respond.

This is not my debt. 

I  have not had an account with HSBC since sometime in maybe 2000-2004.

I have no idea where this came from.

I  have not contacted them as yet.

Came straight here. please help me with a response. 

thanks. 

[unclebulgaria67]

Check your credit record just in case an error has been made. E.g you have been connected to debt owed by third party.

 

Ignore for now, no point in sending letter, as if they are offering a discount, it suggests it is an old unenforceable debt. 

 

When you had an HSBC account, did you leave a debt ? If so what debt type.  Do you know when HSBC actually closed the account ?

[Escaped]

Dear uncle, thanks for your response. debt sooo long ago, do not remember. but the one i can remember was a cc. i get my credit reports weekly and monthly. there is nothing on them concerning this debt. canot have it show up either. whats next? 

[Andyorch]

Topic moved to Debt Collection Agencies Forum..please continue to post here.

 

Andy

[unclebulgaria67]

If you have had a fishing letter regarding a very old unenforceable debt, then ignore them.  They will send a few letters and then stop.

 

If you write to then, it will only encourage them.

 

 

[Escaped]

ok thanks for that. have a good weekend.