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Hi,
Newbie on here so apologies if this is covered elsewhere. Have been search the forums for couple of hours but couldn't find anything in a similar state.
Brief overview, I've received a letter a month or so ago from '1st Credit Limited' saying I owed money and that I needed to contact them blah blah. From previous searches on-line I decided to ignore it as I know I'm not in debt to anyone, apart from the mortgage company. I have credit cards but these are paid off either fully or the minimum payment each month (one has a balance on which is currently charging 0% hence I'm paying the minimum for the moment). I don't have any bank loans or other loans.
Received a 'Final Notice' letter issued by 'Capital Resolve Ltd' on behalf of '1St Credit Limited' giving me until 26th October 2012 (only received this on the 21st October) to either pay the debt (£359.00) in full or telephone a 'Debt counsellor'. Googling 'Capital Resolve Ltd' it seems that '1st Credit Limited' have changed their name to 'Capital Resolve' with the same address.
I decided to have a further 'dig' about into my credit rating. Tried Noddle first with nothing on here and a high rating, then moved to Equifax for their £2 statutory listing. I had done this back in November 2010 which showed full greens on everything.
Today however I see that there is an entry for 'Loan from 1st Credit Ltd' under my name, with the same balance with a start date of 08/08/2005 (so why it wasn't on the last one is beyond me!). It also shows I've made no payments (not surprising as I don't know anything about it) and that I defaulted on 30/10/2009.
Now I'm a mixture of angry, puzzled, confused, scared, fed up etc etc.
I'm unsure of the next move. I'm confident that I don't owe them anything, I've got no loans, none of my credit cards are used as credit cards apart from a new one I got back in september 2012 (for the special 0% offer on purchases - which got approved no problem), so I'm sure they are trying it on.
Whats the best way forward? Do I ring these people, email them, write a letter?
I like the look of some of the templates available but I'm not sure if this is too heavy handed to start with. I've also read advice about not phoning them as once they get a number they can harass you.
Hope I've posted this in the right forum.
Thanks
Newbie on here so apologies if this is covered elsewhere. Have been search the forums for couple of hours but couldn't find anything in a similar state.
Brief overview, I've received a letter a month or so ago from '1st Credit Limited' saying I owed money and that I needed to contact them blah blah. From previous searches on-line I decided to ignore it as I know I'm not in debt to anyone, apart from the mortgage company. I have credit cards but these are paid off either fully or the minimum payment each month (one has a balance on which is currently charging 0% hence I'm paying the minimum for the moment). I don't have any bank loans or other loans.
Received a 'Final Notice' letter issued by 'Capital Resolve Ltd' on behalf of '1St Credit Limited' giving me until 26th October 2012 (only received this on the 21st October) to either pay the debt (£359.00) in full or telephone a 'Debt counsellor'. Googling 'Capital Resolve Ltd' it seems that '1st Credit Limited' have changed their name to 'Capital Resolve' with the same address.
I decided to have a further 'dig' about into my credit rating. Tried Noddle first with nothing on here and a high rating, then moved to Equifax for their £2 statutory listing. I had done this back in November 2010 which showed full greens on everything.
Today however I see that there is an entry for 'Loan from 1st Credit Ltd' under my name, with the same balance with a start date of 08/08/2005 (so why it wasn't on the last one is beyond me!). It also shows I've made no payments (not surprising as I don't know anything about it) and that I defaulted on 30/10/2009.
Now I'm a mixture of angry, puzzled, confused, scared, fed up etc etc.
I'm unsure of the next move. I'm confident that I don't owe them anything, I've got no loans, none of my credit cards are used as credit cards apart from a new one I got back in september 2012 (for the special 0% offer on purchases - which got approved no problem), so I'm sure they are trying it on.
Whats the best way forward? Do I ring these people, email them, write a letter?
I like the look of some of the templates available but I'm not sure if this is too heavy handed to start with. I've also read advice about not phoning them as once they get a number they can harass you.
Hope I've posted this in the right forum.
Thanks
Redcol and welcome. It may be wise to remove your name from the bottom of your post just to be extra safe 
love to get people to ring them 
so they can bully them. You also need the paper trail for the next step(s) and wouldn't want them to tell you something on the phone, only to deny it a later date, which is common DCA practice. Definitely write to them and keep everything in writing. Keep copies of the letters you send and receive, they may come in handy when you contact the CRAs.
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