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Debt problems/chaser (not typical problems)
Former Member
Posts: 1,876,323 The Mix Honorary Guru
Last year when i moved into our new place I received a couple of letters regarding outstanding debts in my name, i found out it was my fathers debts as we share the same first and surname (however our middle names are different) i phoned them up and explained this and they said they sorted it (heck i was 6 when the debt was made) however i've received more letters from another company regarding the outstanding debt,
I phoned them today and spoke to the most rude and ignorant cunt ever. he first claimed it had to be my debt, when i explained the credit card was taken out when i was 6 he said it must be a computer error, out DOB were wrong and our middle names were wrong. YET he still wouldnt believe it weas NOT me and explained I am responsable, eventually he said he'll send it to the chase team HOWEVER i can expect more letters. I informed him if i do I will take legal action for harrassment as its been going on for years and go to the financial ombudsman and make a complaint as it is affecting both my credit rating and the debt is now apparently against the house we live in, (not good as i will be looking for car finance/short term loan soon)
so my questions are
1 - how do I stop this, they keep ignoring it even when I offer to provide evidence
2 - how do i make a complaint to the Financial ombudsman, the company in question who keep contacting me is Lowell Portfollio
3 - how do i remove this "debt" from my house/possible credit rating since this company are sure it is my debt and keep harassing me for payment
Thanks in advance
I phoned them today and spoke to the most rude and ignorant cunt ever. he first claimed it had to be my debt, when i explained the credit card was taken out when i was 6 he said it must be a computer error, out DOB were wrong and our middle names were wrong. YET he still wouldnt believe it weas NOT me and explained I am responsable, eventually he said he'll send it to the chase team HOWEVER i can expect more letters. I informed him if i do I will take legal action for harrassment as its been going on for years and go to the financial ombudsman and make a complaint as it is affecting both my credit rating and the debt is now apparently against the house we live in, (not good as i will be looking for car finance/short term loan soon)
so my questions are
1 - how do I stop this, they keep ignoring it even when I offer to provide evidence
2 - how do i make a complaint to the Financial ombudsman, the company in question who keep contacting me is Lowell Portfollio
3 - how do i remove this "debt" from my house/possible credit rating since this company are sure it is my debt and keep harassing me for payment
Thanks in advance
0
Comments
Financial Ombudsman website Its a bit vauge so you might have to contact them for more specific advice.
GWST, thanks very very much will phone Lowells and Write a formal complain on monday to send, I feel alot better now.
Can go the £2 postal way, or the free online instant (but supply your card details, albeit securely) way...
then all the problems would be solved!
The dad doesn't legally have to repay it, so why the fuck should he?
anyway I am waiting to see my credit report and i will do as GWST said and will write a letter (if its not against me on my credit report) to get them to stop sending the letters) and if it is to remove it as it's incorrect
Thanks GWST and Kermit
oh right well, i thought as it was his debt in the first place it would be 'the right thing'
nvm