Capital Resove. Debt Recovery

[mybutty]

My daughter has received a letter today from the above company saying that they have been asked to contact her by a credit reference agency and they want her to get in touch with them, it does'nt say what it's for or anything, she has now started to worry about it and is scared to phone up about it, should she just ignore the letter, as far as she knows she does'nt owe any money to anyone

[bednobs]

ignoring it wont make it go away. If she doesn't owe anything, there's nothing to worry about. If she does, she'll want to sort it, wont she?

[TWR]

Just Googled the above company, have they given her a Ref? if not, Ignore it.

[Islay]

Never ignore a debt letter - yes it may be a mistake but you would make a bigger one if you ignore it. If they claim that she owes money they have to provide evidence of said debt.

[hairygrape]

This is nothing other than a fishing exercise. Who precisely is doing the fishing is not evident at this point. Tell her to ignore the letter. If the debt really exists, they will try to produce evidence to that effect by post. Until that arrives, forget about it.

You can indeed ignore debt letters that fail to provide you with tangible details of a debt. No details means no pay. Debt collection agencies look for what are called cash cows - people who pay debts without substantive evidence of the need to pay.

Tell her to stay off the phone. She must never deal with them in this way. If they phone her tell her to tell them "All communications must be in writing only" and put the phone down. If she is truly liable for the debt, they'll provide written evidence.

[hairygrape]

Oh and by the way, threats are the name of the game with these low-lives and they'll threaten her with everything from taking away her first born to plagues of locusts along the way. These people have no powers and she really not worry.