That you do owe the money if you get a letter saying you owe money on a debt you donвЂ™t recognise, or which you thought you had paid off, you need to challenge the creditor to prove.
Often debt collectors have just got the person that is wrong. This really is often known as a mis-trace.
This is just what the Financial Ombudsman states about mis-traces:
We might ask a financial obligation collector to offer proof to demonstrate that they’re looking for payment through the proper individual. It can not be sufficient to say, as an example, that the individual gets the exact same title as the debtor or hirer, if not the exact same title and date of birth. We might seek out some reason that is convincing connect the individual towards the debt.
First think of whether you might owe this cash? In the event your title is James Lewis they might have the incorrect person; if for example the title is Edith Chicken thatвЂ™s not as likely. If this indicates to be always a financial obligation to Orange along with been with Vodafone the past fifteen years, it probably is not yours etc.