Chased for a debt I didn't construct up – what to do when debt collectors name

A reader who used to be despatched countless letters from debt collectors disturbing £1,323.67 is also a victim of identity theft fraud.

A legit collection company called Hillesden Securities Ltd mentioned that our reader, Mrs M, ran up the debt on an Argos store card.

They claimed she had it from November 2003 however defaulted on the account in 2007.

Hillesden bought the debt from Argos in November 2009.

But Mrs M disputes ever conserving an Argos card and denies ever residing on the tackle Hillesden tried to contact her at. She has lived at her current handle considering the fact that July 2002.

When she contacted Argos card services they proven an account had been opened in her identify but the handle did not suit hers.

Mrs M requested them to not contact her until that they had proof of her liability for the debt.

Yet the debt collector ploughed on, announcing: “we're entitled to rely on the regulated credit score contract as proof you've gotten agreed to repay any debt incurred.

“The steadiness for your account is a debt which has been competently incurred through you under an agreement signed by using you and controlled by means of the consumer credit Act 1974.

“in response to s78(four) of the act, the usual lender has despatched you typical statements to your earlier handle, keeping you informed of your borrowing and the minimum repayments which had been due.

“As such we will not be offering any further verification, validation or proof of claim.”

What you can do

Mrs M must demand to peer her original credit contract with Argos. If this are not able to be produced (and this is by and large the case) the collector might not be ready to legally put in force the debt.

They with ease received’t have Mrs M’s legitimate signature on the grounds that this can be a case of identification fraud. If so they won’t be competent to put into effect the debt towards her.

Ultimately, i have told Mrs M that despite the fact that she did have the Argos card the declare towards her is now barred. It's referred to as statute barred.

The regulation says this declare should have been introduced within six years of the last date the debt was once recounted. She has by no means heard about this debt or acquired correspondence about it unless now so the date of the obvious default was in 2007. They are too late.