Hi wondering if anyone can help here.

The other day, I received a letter from a company called Rockwell Debt Collection Agency demanding that I pay them in full within seven days or they will take immediate action.

Now I have only ever banked with one bank (barclays) I have never had a debt, I don't have any credit cards and never have had any, and I do not owe anyone or anywhere any money and have not for at least 20 years (I owed the natwest 10 quid about 20 years ago by a withdrawal error (used a cash machine to empty my account and did not think of machine charges) which I paid quickly back to them, My Account now has at my request from many years ago absolutely no ability to go over drawn, however I have never even come close to doing that.

So after making sure I can never go in debt, I receive this letter demanding that I pay this debt shark 489.39 pounds within 7 days ?? it has no mention of what this is for, it has an account number which is not mine, but it does have my address, which is not an address that one can get mixed up on (I live thousands of miles from the UK now and my address is in a different language) not even the British gov have my address, although the embassy do keep trying to get me to reg on LOCATE (in case I need to be evacuated), but I believe that I have the right to keep my details private, the only place that has my address is barclays bank however they claim that this has nothing to do with them.

Now it takes well over 2 weeks for any letter to arrive to me, so this 7 days and gone even before I received it.

So does anyone know my options on this or who to contact as this has to be either a con or a big mistake, it is not a lot of money I know, but i refuse to pay for things that are not mine, but as they have my address, would they really send over a debt collection man ? (poor guy would be suicide coming to this country).

I can tell you though i almost had a heart attack when I opened the letter with all that big RED warning type

Hiya - I can imagine that must have been quite a shock to receive!!! Your best port of call would be to contact the Debt Collection Company and ask them to disclose what the account is and who the debt is with and then you can go from there... they will have info of the debt and your original account number. Hopefully it is some sort of mistake!

Do not worry about the 7 days having past - the creditors and collection companies do use a lot of tactics to try and scare you but you'd be best to just contact them and explain regarding the post and demand some answers.

Good luck!!!

I understand your concern. Try doing a credit check on yourself on your last registered address. Here is a company that will hold all your past credit credit applications, loans etc. If the company that is looking to be paid is not on there then you will not have a problem.

Beware you may have been cloned and someone has taken credit in you name so this Experian search will show you this.

Website is www.experian.co.uk