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Credit Card / Identity been taken.Letter from debt collector

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Credit Card / Identity been taken.Letter from debt collector

11.30 today a letter appears through my door.Bit different looking than the normal bill/junk mail.. i think 'great' could be my premium bonds come in!

Yeah right…

A nice letter saying i owed 5698.68…?????

I rang the company who sent the letter and told them that i had not used that card for near enough 2 years…. not our problem they replied,we bought the debt off the credit card company and will send some round to take property if not payed……



Rang the bank who advised me to ring the credit card company…so i did…

Apparently i changed my address in July 2007???(i did not)

I said 'no' i paid my credit card off around then…..anyway seems my card/statement had been gotten hold of and been used from July 07 to July 08 ..the checky sods had even paid two large amounts off 2500 and 5022 in Jan and Feb 08..(must of balanced transfered another cloned card)

Worst of all when i paid it off(thought i paid it all off) in july 07 i paid 800,which left 1000 on there……..so all this time i thought i had paid it..no 1000.00 i owe them.GUTTED..

I really thought it was paid off as i had no statements at all for 18months…

been on the phone for 5hrs today…at my cost aswell..

NOT HAPPY

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Can't really reply without blowing up the swear filter, but I hope you get it sorted dude.

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5 hours?????????? What were you talking about all that time?

                                

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paul_c said

5 hours?????????? What were you talking about all that time?

From experience, it's best not to underestimate the obstructive, inept and rude nature of banks, card companies and (especially) collection agencies.

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paul_c said

5 hours?????????? What were you talking about all that time?

4.5 hrs on hold no doubt.

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paul_c said

5 hours?????????? What were you talking about all that time?
because two large payments had gone in it through them.., i had to get my bank to confirm all transactions to and from my bank to the cc company and other company's etc then speak to debt collectors etc etc

Oh and they want interest on the 1000.00…..

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Can't fault their timing  :roll:  :banghead:

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Really feel for you Daz  :?

Did July 2007 coincide with them sending out a new card, what I mean is, did someone at the post office intercept it.
Go speak to citizens advice about it, I think you have more protection than the credit card company are willing to tell you about.

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By sheer chance I was in Fraud today (the department, at work). I feel sorry for the poor old so and so who was on the phone with you for 5 hours, they must have missed all their breaks, and been dying for the loo, as well as completely missing their stats and bonus for today!

Some of the stuff fraudsters come up with, beggars belief….

                                

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paul_c said

By sheer chance I was in Fraud today (the department, at work). I feel sorry for the poor old so and so who was on the phone with you for 5 hours, they must have missed all their breaks, and been dying for the loo, as well as completely missing their stats and bonus for today!

Some of the stuff fraudsters come up with, beggars belief….

 :roll:  5 hrs, i did excuse them for a toilet and fag break  :wink:
silly!

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i had your card details when i give you the bill for rebuilding your car,but i didnt clone it, the bill is for ?5698,the pennies must be interest  :lol:
Dazzzzle,i dont know the awnser to this,wish i could help,is that why you hid your car in that garage?????????????????? so the debt collectors cant find it  :wink:
Bert

Thats not a rod knockin,its a diesel stupid! floppy top and 1 tin top

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Bert said

i had your card details when i give you the bill for rebuilding your car,but i didnt clone it, the bill is for ?5698,the pennies must be interest  :lol:
[ b]Dazzzzle,i dont know the awnser to this,wish i could help,is that why you hid your car in that garage?????????????????? so the debt collectors cant find it  :wink:
Bert

Busted,,,,,, :banghead:  :D

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:boohoo:
Bert

Thats not a rod knockin,its a diesel stupid! floppy top and 1 tin top

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Daz, I'll help you out in any way possible, just name it and I'll try my best.











I'm not lending you any money though.

                                

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no paul,hide wallets   :lol:
Bert

Thats not a rod knockin,its a diesel stupid! floppy top and 1 tin top

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paul_c said

Daz, I'll help you out in any way possible, just name it and I'll try my best.

cheers mate, i will wait for monument to send their 'disclaimer' form and take it from there..very moody tonight so i am….












I'm not lending you any money though.
:banghead:  :banghead:  :banghead:  :banghead:  :banghead:  :banghead:  :banghead:  :banghead:  :banghead:  :banghead:

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paul_c said

Daz, I'll help you out in any way possible, just name it and I'll try my best.











I'm not lending you any money though.

LMFAO  :lmao:  ….feel for you but I had to laugh at that!!!   :wink:

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I am in a similar dispute with my cc company.

I paid off my balance, sent them a letter, cut up the card and thought nothing more of the matter.

Get a call from my od flat mate saying i have defaulted on 5 payments. I rang egg, there has been 3 funny payments from my account.

They are no doing a fraud investigation, I said how and they said investigating the situation, I said well i dont buy anything in bloody london as i live in manchester, what more do you need to know.

THey love to use the word liable in situations like this. And that we are liable not them, even though it is there fault.

Losers.

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Spudfingers said

paul_c said

Daz, I'll help you out in any way possible, just name it and I'll try my best.


Lol,, i didnt see that bit at the bottom at 1st……..

cheers matey !










I'm not lending you any money though.

LMFAO  :lmao:  ….feel for you but I had to laugh at that!!!   :wink:

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I've never heard such an extreme case! Gutted for you. Someone spent money on Betfair online on my Barclaycard once, but Barclays clocked it as suspicious (they tried to use more than my limit), and although the git got some of my money, Barclays just paid it off straight away, once I confirmed it wasn't me, no questions asked. That was a card I had used online and over the telephone before - so it's all too easy for people to get their dirty mits on your card details. Hope you get it sorted, such an extreme case can't be nice at all.  8O
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