H
highlandspring
- Original Poster
- #1
Over the last 2 years I have been constantly contacted by a company called Phoenix recoveries chasing debt for an individual with the same name as me, but totally different addresses - basically a guy from Belfast.
Each time his debts appear on my credit files which I use a paid service to watch, I contact the agencies:-
Experian
Call Credit
Equifax
Who after a few months of dragging their feet get the entries removed and assurances passed along that the "connection to me has been broken"
What then happens is the same company does a periodic search of the electoral role and "discovers" me again - then the process starts over. I get letters from a series of debt collection agencies then the same debts appear back on my credit files - occassionally for different amounts but always the same 7 or 8 companies mostly catalogue type outfits.
What really annoys me now is that I am on round six of the same story, twice I have been in the process of applying for credit either in the form of a lease for a car or a house mortgage and this has thrown a spanner in the works.
Question is how can I stop this circle going round and round - there must come a point when this becomes harrassment?
This morning two more of the usual letters have turned up and I have started my customary 4 letters reply - 1 to the company and 3 to the credit agencies.
Is their an onbudsman or regulatory that monitors this area - I had thought about the times or Telegraph as another route to expose them or even to generate an invoice for X hours of my times and wack in a small claims court action to recover the said amount back
Each time his debts appear on my credit files which I use a paid service to watch, I contact the agencies:-
Experian
Call Credit
Equifax
Who after a few months of dragging their feet get the entries removed and assurances passed along that the "connection to me has been broken"
What then happens is the same company does a periodic search of the electoral role and "discovers" me again - then the process starts over. I get letters from a series of debt collection agencies then the same debts appear back on my credit files - occassionally for different amounts but always the same 7 or 8 companies mostly catalogue type outfits.
What really annoys me now is that I am on round six of the same story, twice I have been in the process of applying for credit either in the form of a lease for a car or a house mortgage and this has thrown a spanner in the works.
Question is how can I stop this circle going round and round - there must come a point when this becomes harrassment?
This morning two more of the usual letters have turned up and I have started my customary 4 letters reply - 1 to the company and 3 to the credit agencies.
Is their an onbudsman or regulatory that monitors this area - I had thought about the times or Telegraph as another route to expose them or even to generate an invoice for X hours of my times and wack in a small claims court action to recover the said amount back
