I was somewhat shocked yesterday to find a letter on the doormat from a debt collection agency.
Informing me that my total debt was now £164.32, the letter stated:
"Your debt has been passed to us because you have ignored previous requests to sort this debt out with our client... Pay or call us immediately to get this sorted out".
Utterly nonplussed, I called the number to see what on earth it was supposed to refer to, not least as it was the first communication I had received from anyone demanding payment of a debt.
The voice at the other end informed me that I had apparently bought items from "Jacamo" and not paid for them.
"Who or what is Jacamo?," I enquired.
"A catalogue," I was told, before explaining that I had never even heard of the company.
The debt collector proceeded to inform me that the items I had ordered had been sent to an address in Newcastle-upon-Tyne - somewhere I have only visited once in my life, let alone lived in.
I explained that there was clearly some kind of mix-up: I had never heard of Jacamo or lived in Newcastle, and therefore certainly could not have ordered anything from the catalogue from an address in the city.
But this was not good enough for the debt collector. He said that he wanted me to send them proof of address through a bank statement or council tax bill to show that I was not living in Newcastle last summer in order to close the matter.
I ended the call there, initially with the intention of trying to seek out an old bill to copy and send them.
But then I gave it just a moment's thought:
- Who are this debt collection company and how do I know that they are legitimate?
- Why should I give them further information about myself (as far as I know they currently only have an address for me) through sending them a copy of an old bill?
- If someone has falsely used my identity to buy something (although as far as I can tell, no money has been taken out of my bank account) surely the onus should not be on me to prove that I didn't do something, but rather on someone else to prove that I did do something?
Perhaps any lawyers reading might be able to give me some informal advice as to what, if anything, they think I ought to do next...
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