Debt recovery company CARS (Creditlink Account Recovery Solutions) sent me a demand for £55.53, including a £20 surcharge, for ignoring requests for payment. There was no information about what the debt was for, and I hadn’t received previous requests. CARS told me I owed Darwin insurance a premium on a Hyundai car. The date of birth and first and last name of the debtor were the same as my own, but the middle name was different. I assured the agent they had got the wrong guy, but they weren’t having any of it.
Darwin also insisted I was the person it was looking for. Eventually, it agreed to pass the case to the fraud department, which quickly spotted the middle name discrepancy. It appears the debtor has the same date of birth as me and, when he couldn’t be located, CARS sent the letter to anyone with the same name and birthday. Darwin and CARS haven’t responded.
JC, Liverpool
