If you receive a page saying you borrowed from cash on a financial obligation you donвЂ™t recognise, or that you thought you’d paid, you will need to challenge the creditor to show which you do owe the amount of money.
Sometimes collectors have just got the person that is wrong. This really is often called a mis-trace.
ItвЂ™s this that the Financial Ombudsman claims about mis-traces:
We might ask a financial obligation collector to offer proof to demonstrate they are looking for payment through the person that is correct. It could never be sufficient to say, for instance, that the person gets the name that is same the borrower or hirer, and sometimes even the exact same title and date of delivery. We might try to find some reason that is convincing link the individual towards the debt.
First think of whether you might owe this cash? In case the title is James Lewis they could ‘ve got the incorrect person; if for example the title is Edith Chicken thatвЂ™s not as likely. You have been with Vodafone for the last 15 years, it probably isnвЂ™t yours etc if it seems to be a debt to Orange and.
You should definitely to deliver a confirm It! letter
Before you send out a Prove It letter, verify that some of the after circumstances pertains:
- in the event that page is addressed to some other person but has your target, this site describes what you should do. (NB it is designed for once the page obviously is not if it has your maiden name or the name is slightly mis-spelled) for youвЂ“ not;
- do you know what your debt is which is old, a lot more than six years as you past made a payment to it, then you’ll need to speak to a professional debt consultant, not answer to the creditor.